Can you use your insurance for other people?
Asked by: Dr. Judah Luettgen Jr. | Last update: September 10, 2025Score: 4.7/5 (12 votes)
Can I use my insurance to cover someone else?
It is *you* who are the insured party, and unless you have specifically added other named individuals to the policy, then they are not insured for whatever event you are insured against.
Can I use my health insurance for someone else?
Unless your employer allows you to add your sisters to your plan then no, they cannot use your insurance. Trying to have them use it by pretending to be you would be insurance fraud, and any claims submitted to your insurance with their name as the patient would be denied.
Can I use my insurance for my boyfriend?
Generally NO. Neither the law nor insurance companies recognize ``boyfriend'' or ``girlfriend'' as a status. With very few exceptions, you both need to have your own insurance until you are married. Same thing with car insurance.
Can I put my friends on my insurance?
Most insurance companies allow you (and may require you) to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence. Most insurers will also allow you to share a single car insurance policy with someone if you live with them.
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Is it legal to use someone else's insurance?
Letting Someone Else Use Your Health Insurance is a Federal Crime. Your friend or family member needs medical care but has no insurance. You have good health insurance. You look enough alike that if no one scrutinizes the picture on your ID too closely, your loved one could probably get away with using it.
Can I go on someone else's insurance?
Remember that it's not the car that's insured – it's the driver. So while the owner of the car may have an insurance policy for the vehicle, each driver needs to have their own insurance (either via driving other cars cover or a temporary policy), or be specifically named on the policyholder's insurance policy.
Can I let my girlfriend use my health insurance?
If you and your partner live together and meet your state's requirements, you may be able to add them to your health insurance plan. But, as mentioned, your state or city's law must recognize domestic partnerships. For example, California and Nevada recognize domestic partnerships.
Can I drive my boyfriend's car if I'm not on his insurance?
While there are exceptions, car insurance generally follows the car and not the driver. Allowing another licensed driver to borrow your vehicle is known as "permissive use," which means you give someone, who isn't listed on your car insurance policy, permission to operate your vehicle.
Can I use my friends' dental insurance?
You can't use someone else's insurance with or without their permission. Using someone else's insurance is insurance fraud and insurance fraud is a felony. You'd also be looking at identity theft which is also a felony. If you're talking Medicare for social security, Medicare does not come with dental on it's own.
Can I use my sister's insurance card?
And second, no, it's not okay to use someone else's insurance card. That's part of the reason why their name is on the card and yours isn't.
Who can I cover on my health insurance?
- Legal spouse.
- Biological children and stepchildren.
- Legally adopted children and children placed with you or your covered spouse for adoption.
- Children for whom you or your spouse have been appointed legal guardian.
- Foster children placed with you or your covered spouse.
Can my son drive my car if he is not insured?
Most insurers cover someone else driving the policyholder's car with their permission once in a while. But, if you're going to start driving one of your parent's cars regularly, you'll need to be added or named on their auto insurance. You can't legally drive your parents' car without any insurance at all, either.
Can I cover someone else with my health insurance?
Except where common law marriages and domestic partnerships are allowed, you cannot add dependents that aren't relatives to you. A family health insurance plan will not allow you to add a friend unless that friend can fit the relationship criteria for a dependent.
What is permissive use?
Permissive use in an automobile insurance policy means that you give a person—who is not specifically covered by name or as a household member—permission to drive your car. For example, if you allow a friend to borrow your car, that is permissive use. You have given your friend your permission to use your car.
What happens if you don't add a driver to your insurance?
If someone in your household, who is unknown to your insurance company, gets in an accident, your insurer might rescind or cancel your policy and/or deny your insurance claim because they've been kept in the dark.
Can I borrow my car to a friend?
So the answer to whether your friend can drive your car, is yes, but there may be some insurance implications to watch out for. While your friend can drive your car and be covered by your insurance, this only applies when you give permission and lend your car.
Does it matter whose name is on the car?
Yes, the name on a car title can impact insurance coverage. Insurance companies usually require the policyholder to have an insurable interest in the vehicle, meaning they either own the car or have a significant financial interest in it.
Do I have to marry my girlfriend to put her on my insurance?
Many couples have forgone traditional marriage in favor of domestic partnerships, sharing a home and financial responsibilities without getting married. In California, domestic partners can enroll in a health insurance policy and access the same benefits as a married couple.
Can you be on someone's health insurance if you're not married?
Generally, insurers will offer family policies to married couples, but some may offer family policies to domestic partners who are not married. If you buy one policy for the entire family, all the tax credits you are eligible for can be used to reduce the premium for that policy.
Can my girlfriend use my car insurance?
Usually, yes. Your car insurance coverage should be able to extend to anyone else driving your car. Even if someone isn't listed on the policy, they can operate your vehicle. If you explicitly name someone as an excluded driver in your policy, however, none of this applies to them.
Can my wife drive my car if she's not on my insurance?
Your spouse must be listed on your insurance policy regardless of driving status. Since insurance is all about properly rating risk, companies will require that your spouse be listed on your policy to know who they are and are not covering.
Does my insurance cover the other person?
The Insurance Policy Follows the Car and Not the Driver
Under California law, in most instances, the insurance policy attaches to the car itself. If someone was driving your car, it would be your insurance policy that paid for the damages.
Can you be on someone's insurance and not live with them?
Your car insurance coverage isn't limited to drivers listed on your policy. The coverage can be extended to individuals who occasionally use your vehicle and don't live in your home.