If he’s a permissive user by the car owner it’s fine. He’s temporarily using your vehicle. Follow what your insurer told you.

Anonymous wrote:When my kids turned 18 and got their own cars, I was told to have them get their own insurance, rather than keeping them on my policy. If I kept them on my policy, I would open myself up to liability for their actions, even beyond the limits of the insurance. So adding your brother to your policy could have implications that you don't realize.

I'm not expecting him to do anything in the three weeks he's here that leaves me liable for much, but that's an interesting point. I was thinking that we'd have more certain coverage if he was a named driver than just from saying he had permission to use the car -- more protection from liability, that is, not less.

When my kids turned 18 and got their own cars, I was told to have them get their own insurance, rather than keeping them on my policy. If I kept them on my policy, I would open myself up to liability for their actions, even beyond the limits of the insurance. So adding your brother to your policy could have implications that you don't realize.

My brother and his family are visiting D.C. from overseas for several weeks next month, and we were going to let him drive our second car while they're here rather than renting one. My insurance provider says that for a situation like this, I'm not required to add him as a named driver to my policy; as long as he's not using the car for more than 30 days, he's covered under "permissive use." But adding him to the policy as a named driver would only increase my six-month premium by $120, which means that if we add him for August and then drop him when he leaves, it'd probably only cost $20.

Is there any extra protection in the unlikely event he gets into an accident of making him a named driver? Or should I just go with what the insurance company (Geico) is telling me, since that's both easier and cheaper?