Am I Covered On My Girlfriend's Auto Insurance Policy? 
You should be added as a driver on the policy . The insurance companies require that all household members need to be added to the policy . The agent is technically correct in saying that you would be covered as long as you have permission to drive the vehicle , but by not informing the insurance company that you are a driver in the household , he is knowingly committing insurance fraud . Adding you as a driver will likely cause the premium to increase , mainly due to the fact that you have no prior insurance . Even so , it is in your best interest to be named on that policy . This will also you help you if you are ever looking for a new insurance company in the future as you will be able to show that you carried prior insurance . I hope this answered your questions and good luck ! 