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Car Insurance for Another Driver’s Work Use Vehicle

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 08/06/2017

Q: My boyfriend injured his leg and can’t drive his work truck (it’s a manual) because the constant shifting hurts. Can I put him on my insurance for 2 weeks -1 month max (muy car is automatic and has cruise control) so he can use it while he is on the mend? I just bought the car brand new off the lot and it is obviously fully covered.

A: You can actually put anyone you want on your car insurance policy if they are driving your vehicle on a regular basis, regardless of if they are living in your household with you or not. The only exceptions to this are drivers that your insurance company deems too dangerous to drive because of a bad driving record. These are the drivers that the companies see as just too high of a risk to want to insure.

Now, the other issue in this is how your boyfriend is planning on using the vehicle. You say that it is to replace his work truck, so will he be using the vehicle for work? If the vehicle is used for business it is usually not going to be covered under a personal car insurance policy, but it depends on the business usage. This is something you need to talk to your car insurance agent or car insurance company about to make sure you have adequate coverage on your vehicle while he is driving it and that his usage activity is not something that is excluded from your policy. If it is excluded from your car insurance policy and he is in an accident, the insurance company has the right to deny paying for the claim.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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