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Who Can Make Changes to My Car Insurance Policy?

There are many reasons you might want to make changes to a car insurance policy. When you buy a new car, move to a new zip code, or add a new driver in your household, you must notify your car insurance company and let them know about the change. But who exactly can initiate the changes and ask for details about the policy’s coverage? Can a family member make changes on your behalf?


If the family member is also one of the named insured on the auto insurance policy, it should be no problem for them to call the company or visit their website and make changes to the policy. Any named insured listed on the policy should be able to make changes such as adding a new car, inquiring about discounts, or just changing the date the bill is due.

Most insurance companies will probably have some type of verification procedure in place to make sure the person calling is actually listed on the policy, such as asking for a social security number or verifying the address on the bill.

Someone other than the named insured on the policy would probably have a difficult time making changes to another’s policy, for obvious reasons. Only in extreme circumstances, such as an incapacitation of the main insured driver, could a spouse or close relative make changes to another driver’s policy. Even then, it wouldn’t be surprising if the insurance company requested some proof of the relationship or a power of attorney document.

This is another reason why it makes sense for married couples to combine their auto insurance coverage into one policy after tying the knot. Besides saving you a lot of money, a joint auto insurance policy allows one partner conveniently to make changes while the other one is busy. For instance, if one partner does all of the bills and the budgeting, but doesn’t have access to the insurance accounts, it might be unnecessarily difficult to change the date when the automatic payment comes out of the account.

Another great reason to make sure both you and your partner have access to the same auto insurance policy is to avoid what might be a costly lapse in coverage. If, for some reason, one partner couldn’t access the policy to say, fix a billing issue, the insurance might be cancelled.

Even a short lapse in auto insurance coverage can have a big impact when trying to get insurance down the road. Insurance companies will heavily scrutinize applicants with a history of coverage lapses without a good reason. Some insurance companies might double the rate for applicants who have lapsed in coverage in the past.

Also, if your insurance was cancelled, you would be held personally liable for any accident you cause, which could be financially devastating. Not to mention that driving without insurance is illegal and could result in steep fines or even jail time.

Call your insurance agent today and ask about adding relatives to your policy to save money and avoid inconveniences while trying to manage the policy.

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