Am I Covered On My Girlfriend's Auto Insurance Policy? 
I could n't have put it any better than the answer Jeremy provided to you . You most certainly need to be added as a named insured on the policy . With regards to coverage : Unless you are specifically excluded from the policy and as long as you have permission to use the vehicle , yes there should be coverage in place . You really need to take a look at the policy and read the definition of who is an `` insured . '' Then go to the exclusions section and read through the exclusions . Do you have any prior tickets , or a poor driving record ? I 'm not sure why your current agent would act in a manner to obviously deceive the insurer , but this would be a red flag for me and I would think about finding another agent . Good luck ! 