Quote:
Originally Posted by autoxer
You are totally missing the point about insurance. Even though adding him doesn't raise your rates, it still raises your liability. He should pay his share of the liability.
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That and the fact that there is no reason he should get a free ride.
If he has an accident, it may not count against you for insurance purposes. That's great. Certainly not the way it works in most states. However, you would still be without your car for however long it takes to repair. If the car is totaled, you'd be the ones stuck having to buy a new car.
If he is using a car, he needs to understand that there are costs involved and he needs to pay his fair share.