will my insurance premium go up or affected if someone that got a ticket is not listed under my policy. I live in MA and the person got ticket in NH.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 1, 2016

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Insurance Question from Lowell, MA

Asked on 03/01/2016

will my insurance premium go up or affected if someone that got a ticket is not listed under my policy. I live in MA and the person got ticket in NH. ticket

Answer given on March 28, 2016

When you purchase car insurance you are expected to list any driver who lives in the household, or who may use the car regularly. Some insurance companies limit coverage to only drivers who are actually listed on the policy.If the person you are referring to is not a regular driver of one of your cars, and/or does not live with you, then their driving record should have no effect on your car insurance rates.However, if it turns out they do drive your car and cause an accident, your insurance would be responsible for any damages and/or injuries from the accident. If the driver has separate insurance, then your rates will not be affected by the accident. However, if they do not have their own insurance, your company may require that they be added to your policy, and they could charge for any accident or ticket on their record. If you refuse to add them, you may have to exclude them from your insurance policy.

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