Reader’s Question:

Does my mother have to add me to her car insurance policy in St. Louis, Missouri before I can drive her vehicle?

Andrew

St. Louis, MO

It actually depend’s on your mother’s car insurance carrier however generally if you live with her then you will need to be added on her car insurance policy in St. Louis, Missouri so you will be properly covered. Insurance carrier require policyholders to list all household members during their application.

So, if you live in a different house or if you do not live with your mother and you occasionally borrow your mother’s vehicle , your mother’s car insurance carrier needs to be informed about this as well. You will probably have to be added to your mother’s car insurance policy as an occasional driver so you will be covered. Again, this depends on the car insurance company.

The best thing to do, since car insurance carrier’s guidelines on occasional driving, is to contact your mother’s car insurance company in St. Louis, Missouri. You may ask the car insurance agent if you will be covered once you drive your mother’s vehicle or you need to be added on her car insurance policy.

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