Adding an Unmarried Partner to Your USAA Auto Insurance Policy

Having comprehensive insurance protection is important for all drivers. But when you’re in a committed relationship, making sure you and your significant other are properly covered while sharing vehicles can get confusing.

If you have coverage through USAA can you add a girlfriend to your policy even if you aren’t married?

The good news is that USAA allows unmarried partners including girlfriends, to be added as insureds on auto insurance policies. This provides essential coverage for both people while driving each other’s cars.

In this article, we’ll explain everything you need to know about adding your girlfriend to your USAA car insurance policy.

Overview of USAA Auto Insurance

USAA is a leading insurance provider exclusively for military members, veterans, and their families. USAA offers:

• Auto insurance
• Home insurance
• Renters insurance
• Valuable property coverage
• Umbrella insurance
• And more

One of the key benefits of USAA is the ability to add certain family members and partners to your policies, even if they don’t independently qualify for USAA membership.

Adding your girlfriend to your USAA insurance provides protection for both of you when driving each other’s vehicles. Let’s look at the specifics of how it works.

Requirements for Adding an Unmarried Partner to USAA

USAA allows their members to extend auto insurance coverage to domestic partners, including girlfriends and boyfriends. Here are the requirements:

• You must have lived together for at least 6 months
• You need to provide proof of shared residency (lease, joint bank account, etc)
• Your partner must have a valid driver’s license
• Your partner can’t have been dishonorably discharged from the military

As long as you meet these criteria, your unmarried partner is eligible to be insured under your USAA policy.

Steps to Add Your Girlfriend to Your USAA Insurance

The process of adding your girlfriend to your existing USAA car insurance policy is straightforward:

• Contact your USAA agent to start the process. You can call them or send an email.
• Provide your agent with your girlfriend’s details including her full name, birthdate, driver’s license number and any other info they request.
• Complete and sign a domestic partner affidavit that USAA will provide. This validates your girlfriend qualifies as a domestic partner.
• Supply proof of shared residency by giving them documents like a shared lease agreement, utility bills in both your names, etc.
• Your agent will then add your girlfriend to the policy as an additional insured driver.
• Review the new policy terms carefully. Your premiums and coverage options may change after adding another driver.

In most cases, your girlfriend can be added to your USAA policy in just a few days once you provide the required documentation. It’s designed to be a smooth, hassle-free process.

Benefits of Joint USAA Auto Insurance

There are some nice advantages to having your unmarried partner on your USAA insurance policy:

• Peace of mind when sharing a car – You’ll both be fully covered under liability, collision, and comprehensive when driving each other’s vehicle.

• Multi-car discounts – Insuring two cars on the same policy is cheaper than maintaining separate insurance.

• Convenient billing – You’ll only have one auto insurance bill to pay each month for both cars.

• Easier claims process – You can quickly file claims on each other’s behalf without hassles since you’re both policyholders.

• Home insurance bundling – It may be easier to bundle home and auto policies when you’re both insured by USAA.

Overall, adding your girlfriend gives you important protection and savings as an unmarried couple that you wouldn’t get with two separate auto insurance policies.

Potential Downsides to Consider

While there are many positives to putting your girlfriend on your USAA insurance, there are also a couple potential drawbacks to think about:

• Higher premiums – Adding another driver and vehicle to your policy could increase your insurance rates somewhat.

• Both drivers affected by claims – At-fault accidents or traffic violations by one driver will impact premiums for both people.

• Breaking up is complicated – Removing an ex from your policy after a breakup can be messy and disrupt insurance rates.

• No spousal legal protections – Unlike married couples, unmarried couples don’t have the same legal rights if the relationship ends.

However, for most couples the advantages outweigh the risks when deciding to get joint coverage through USAA.

What Changes if You Get Married?

If you and your unmarried girlfriend on your USAA policy eventually get married, you’ll need to notify USAA to update your policy and account. Here are the key impacts:

• Your wife becomes eligible for full USAA membership in her own right.

• You’ll need to provide USAA with a copy of your marriage certificate.

• Your wife can now open her own USAA policies and accounts.

• You may gain access to additional USAA products like life insurance.

• Your wife is now protected under legal spousal rights.

• Filing claims and billing will function largely the same.

• You’ll still qualify for any multi-vehicle discounts.

Overall, transitioning from an unmarried to married couple is simple for existing USAA members. Just submit your marriage certificate to get your wife fully integrated into your USAA insurance coverage.

Frequently Asked Questions About Adding Girlfriends to USAA

Here are answers to some common questions about adding unmarried partners like girlfriends to USAA auto insurance policies:

Can I add my live-in girlfriend even if we aren’t married?

Yes, USAA allows you to add a girlfriend you live with as long as you meet the 6 month cohabitation and proof of residency requirements.

What if my girlfriend has a poor driving history?

USAA may charge higher premiums or require her to take defensive driving courses before adding her to your policy.

Can my girlfriend get USAA insurance if she isn’t in the military?

Yes, girlfriends and partners are eligible for USAA through the military member’s status even if they don’t qualify themselves.

What happens if my girlfriend wrecks my car?

As long as she’s listed as a driver on your policy, any damage or injuries will be covered under your collision coverage minus the deductible.

Can I put my girlfriend’s car on my USAA policy if I’m not the owner?

Yes, USAA policies allow you to insure non-owned vehicles that you or your partner drive regularly in addition to owned vehicles.

Is Joint USAA Coverage Right for You?

Insuring both you and your unmarried partner on the same USAA policy provides comprehensive protection and savings that individual policies can’t match.

If you’re in a committed relationship and sharing vehicles, adding your girlfriend to your USAA insurance is a great way to simplify coverage. Both of you will have peace of mind knowing you’re fully protected whenever you get behind the wheel.

For fast, hassle-free joint coverage, contact a USAA agent today and provide the required eligibility documentation. Soon you’ll be all set with a single affordable policy covering you, your girlfriend, and both vehicles!