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Reader’s Question:

Let’s say I have a brother that lives 4 hours north from where I currently reside, in Chicago, IL. Is it legal if my brother has my car in his insurance since it is a totally different city?

Jake

Chicago, IL

The brother that wants to insure both vehicles can ask his insurance agent if the car insurance company he is with will allow him to insure his brother’s vehicle that is in a different city. Insurance company’s guidelines differ but normally a car insurance company in Chicago, Illinois would not allow the out of town brother’s car to be placed on the policy since the car is garaged in a different location and the brother is not a household member of the policyholder’s resident.

Typically insurance providers do not insure cars that reside at a different household or for more than one household on one insurance policy. Thus to get a definitive answer the brother wanting to place the brother on his policy would need to ask his car insurance agent if this is possible or call around to see if another insurance provider would allow this type of situation.

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