My boyfriend's auto insurance wants my information, even though we have separate vehicles and policies, but we are in the same household.

This post comes after the update, so I am glad you have figured everything out. I am replying to help anyone who is confused about who can drive your car...

I worked for a large insurance company. My particular company was pretty liberal with who could drive your vehicle. Basically, unless the owner / insured of the vehicle filed a police report against someone for stealing their vehicle, it would typically be accepted (and covered) under "permissive use." I have even seen claims where unlicensed (too young) drivers have been covered. If it was discovered during the claims investigation that an unlisted driver was the primary driver of the vehicle, or a frequent driver of the vehicle; my company would suggest you list that driver on the policy, or exclude them (to avoid excessive rate increases). Once a driver is excluded, the owner's policy will not extend any 1st party (your car) or 3rd party (liability) coverages while the excluded driver is behind the wheel.

Other (even large) insurance companies are not as liberal, and require that anyone driving your vehicle be listed on the policy.

Each insurance company fits somewhere in this spectrum. The problem with the spectrum is that you would not know where your insurance company fits into the spectrum, until you file a claim. At which point you may get the bad news too late.

I would say that if someone else is going to be driving your car, have them listed on your policy. Even if it costs more. It's better than the consequences. I would rather pay $20/month extra for the peace of mind. Because that $20 could save you a lawsuit if someone else is driving your car and injures someone.

/r/personalfinance Thread