Will my nc insurance cover me driving someone else’s car in Georgia if I move to work and live there?

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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: Aug 22, 2012

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Insurance Question from Archers Lodge, NC

Asked on 08/22/2012

Will my nc insurance cover me driving someone else’s car in Georgia if I move to work and live there? I have nc coverage on a policy with my mother. I am selling my car and moving to Georgia in Sept. I have no job at this point but plan to get one asap. I would like to retain my nc insurance because it would be cheaper to stay on my mother's policy. Would I be covered in case of an accident driving my boyfriends car?

Answer given on August 22, 2012

In auto insurance the insurance follows the car. So, if you are driving your boyfriend’s car then his insurance will be responsible if you cause an accident.If you have an accident, then the insurance company will ask about you as a member of the household and if you are a regular driver. If you are, you will probably have to be added to your boyfriend’s policy. Your driving record will affect the cost of adding you to your boyfriend’s insurance.If you do buy a car, you will need to insure it in the state where it is registered. Each state has different rules and laws about insurance, so it is best to insure it and register it where you live. You can choose to register and insure it in NC, but you could get caught if the police continually see you in Georgia with NC plates. Make sure you are really saving enough money to make it worth the trouble of registering and insuring out of state.

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