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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?

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Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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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