Will my auto insurance company check my husband's credit and driving record if I add him to my policy?

Question

I have been married for 4 years. My husband bought his car with his parents and has been covered under their insurance all this time. The car has been now paid off and he needs to go off of his parents' policy. I called my auto insurance company to add him to my policy. She took down his ssn, driver's lic no and car info and told me what it would cost. Here's the catch: my husband has a DUI. So she just told me what it would be pending anything major. My renewal just passed so my question is: will my insurance company DEFINITELY do a background check before adding my husband?

Answer 1

Maybe not a credit check, but they will definitely check his driving record.  Once they see that DUI, be ready to expect a rate increase.

Answer 2

It is best to tell the agent up front of the DUI so they can properly place the insurance.  Major carriers most likely won't accept him or surcharge the heck out of the policy.  Agents normally have a place they can place him until his driving record is clear.

Answer 3

Yes your insurance company will check his drivers abstract.

Answer 4

his driving record,yes,without a doubt,his credit ,it depends on the insurance co,but most likely not seeing its your policy,if it were him getting his own,most likely yes.

Answer 5

Answer from a General Insurance Agent.

Credit check, It  just depends on the company. Usually they check the credit of the Primary Insured. At my company we only check the credit of the primary insured, or rather the applicant, not all the drivers listed on the policy. Since you are married, some companies will check the credit of both spouses.

Driving record, of course, they will definitely check your husbands driving record so they can determine the nature of risk associated with that driver.

Take Care and Happy Motoring