Car Insurance for Domestic Partners

Car insurance for domestic partners follows the same rules, restrictions, and guidelines as for any other household. In many states the rules are the same as they are for a marriage. That means that all persons residing at the same address should be named on the policy. They may be listed as resident relatives or named insureds. For the purposes of covering motorists, marriage is not a requirement for people living together. In any case, some states accord domestic partners many of the same legal status as married partners, either in laws that govern traditional "common law" marriages, or that now cover same sex partnerships.

The laws and policies of automobile insurance offer coverage for persons driving, being driven in, or caught in an accident with an automobile owned by the insured. These policies can have different stipulations for different drivers, such as car insurance for teens compared to car insurance at 25.  Personal relationships are irrelevant in these cases. If a person has permission to drive a vehicle, that person is covered regardless of whether that person and the nominal owner are partners in a legally recognized marriage, are friends, or are business colleagues.

In general, insurance policies are taken out by households and heads of households and apply to all persons recognized as members of the household regardless of how that household is made up. In domestic partner households, therefore, as in any other household, what is most important is that the best, most suitable coverage is purchased.

Coverage for Households

One of the most important requirements of motor vehicle insurance policies is that any person conducting the vehicle be legally allowed to drive. That is, they are required to have a valid drivers' license. Additionally, they must have the owner's permission to drive that vehicle. It is generally accepted that persons sharing the same home have tacit if not actually stated permission to drive the vehicles that belong to other persons in the household. This is one of the reasons why insurance companies require that all persons, particularly those eligible to drive, be listed on the automobile insurance policies active in that household.

Minimal motor vehicle insurance coverage that protects domestic partners in a household will have to include bodily injury liability, if for no other reason than that it is required by most state's personal responsibility laws. It is a characteristic of responsible motorists to protect themselves from financial hardship in the event of an accident that injures another person. It also, however, ensures that the person injured will not be further wronged but will have the financial resources necessary to pay for medical and any other expenses that come in the wake of an accident.

Another important clause to include in a policy that covers a domestic partner household would be personal injury protection. If this is then combined with medical payments coverage, it removes any likelihood that the partner who is not the primary policyholder will be covered in any eventuality. Personal injury pays medical bills, lost wages and such, in the event of an accident, for any person authorized to drive the vehicle even if that person were the driver at fault.

Medical expenses have the potential to be financial devastating. Health insurance policies often provide adequate coverage for non-serious, short-term illnesses, but can be altogether inadequate for long term or very serious matters. The medical payments coverage clause in an automobile policy ensure that medical bills will be covered over and above the amounts that would be handled by personal health insurance, regardless of who caused the accident.

The primary area of concern in any household is the well-being of its members. Well thought-through vehicle insurance for domestic partners is one way of ensuring this.


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