Do I have to add my brother to my insurance policy?

My brother and I live together and we each have our own cars and policies. I just bought a new car, and the dealer said I need to have my brother listed on the policy since we live together. Is that true?

Answer
“Good question! It can depend on your carrier.
If your brother has his own car and car insurance, he may not need to be included. Suppose your carrier does want to add him and requests proof of his insurance. In that case, he might be listed as a non-driver or an excluded driver, and he shouldn’t impact your current policy’s rate.
However, since you are family and live together, it might be a good idea to get some car insurance quotes online. You would both qualify for a multi-car discount if you share a policy!
Using a free app like Jerry would be a simple and fast way to get quotes and all applicable discounts in one place. “
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Shannon Martin
Answered on Apr 14, 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.
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