<prompt> Human: My friend, who is also my roommate and whom I work for needs car insurance. Her licence is expired or possibly suspended back home for tickets to the extent that she would be arrested if pulled over. She is in need of a new car but thinks she needs insurance for what she is driving now in order to get insurance for the new car she plans on getting from a dealership. Would adding her car to my policy have any financial consequences? She thinks I can add her car to my policy without adding her but wouldnt this constitute insurance fraud? Additionally, what would happen in the event she was at fault in a car accident? Currently I have leased the apartment we share under my name because she has terrible renters history has walked out on leases and owes money along with bad credit. The company she works for pays all of the bills so am living here rent free and have a part time position under her that I can come and go from. I am benefiting from this situation as i am able to save money and am thankful for this however I dont want to be on the hook for her past mistakes, the type of mistakes I have always been cautious not to make and have tried to advise her against.  <response>: Your instincts are correct, dont touch this with a 10-foot pole. This person is a hot mess and you dont need to financially entangled with her at all.It would open you up to all sorts of liability should she be in an accident. She would have to be registered as a driver of that car if shes going to drive it, and that will 1 increase you insurance bill and 2 make you and your policy liable for her actions. I see truly no good side for you in this proposition, only bad. Yes insurance fraud, yes liable, bad idea. 