Do I need my own insurance policy if I am listed as a driver on my brother's policy?

My brother and I live together. I totaled my last car and didn't see the point in getting another one. He added me as a driver to his policy, but do I need to have my own policy to be fully covered?

Answer
“No, if you are listed as a driver on your brother’s car insurance policy, you are a fully covered driver. Whatever type of car insurance he is carrying on his policy will extend to you as a driver.
If your brother is thinking about switching his car insurance in the near future to save money, he can go to Jerry. This free app is the easiest and most effective way to find a car insurance policy that is customized for him. “
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Shannon Martin
Answered on May 06, 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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