The thing is, I don't think it matters whether you are a tenant or a family member or friend. I realize that insurance laws do vary from state to state but I have never heard of a situation where someone who had no ownership interest in a vehicle was ever held liable because another adult living in their home (non owner) was negligent in an accident. I could see adding a family member to an auto policy if they lived in the home and therefore could have access to the keys to drive the homeowner's car, but even that is a bit of a stretch.Oh I have. I don't know who the actual insurance company is, I can only speak with the broker. Makes me wonder if the broker is helping her lie about the situation. Seems far-fetched and I hate to think ill of her, but when something doesn't make sense it usually isn't right.
In my state my daughter is automatically covered to drive my car as an occasional driver for no extra cost because she lives in my home.