Can I get in trouble for letting my friend use my address for his insurance policy?

Can I get in trouble for letting my friend use my address for his insurance? My friend Dave is trying to buy an insurance policy, but he said the price was too high because of his zip code. He put in my address and it ended up saving him over $500. I want to help him out, but it does feel a little sketchy.

Answer provided by
Shannon Martin
Answered on Jul 09, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“It is really nice that you want to help your friend, but it isn’t a great idea. There is a way that this plan can backfire on both of you.
In Dave’s case, since he is knowingly lying about his address, this would be called material misrepresentation. If his insurance carrier finds out that he is using your address, they may give him a chance to correct it or they could cancel his policy.
You won’t get into any trouble directly, but it could affect your future car insurance policy.
Most carriers use public records to verify addresses and see if any other potential drivers are in the household. Since Dave is using your address, your carrier may require him to be listed on your policy. For him to be removed, you would need to prove that he doesn’t live there and send in a copy of his current insurance policy.
Dave isn’t without hope for cheap auto insurance. There are online comparison tools like Jerry that make it easy to find the best deals.”

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies