To add a car to your policy, you can update your policy online or call your insurance company. Usually, you only need to provide the vehicle identification number (VIN), license plate number, and the make and model of the vehicle. You may also be asked about the mileage and condition of the vehicle, depending on the insurer. Keep in mind that some insurers may limit the number of vehicles that can be included in a policy.
For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple. Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together. By requiring specific liability insurance for victims of an accident caused by you, they can receive financial help for injuries and property damage without seriously affecting their own financial well-being.
However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. The main reason why car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident. That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident.