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Depending upon the statutes of the state involved, this could constitute insurance fraud. Most acts that constitute insurance fraud are crimes, and theoretically carry penalties which could involve jail. That said, to prove a crime, it is necessary to prove intent, and that is often hard to do.

If you are referring to auto liability insurance, it is unlikely that the insurer will permit you to do this, as an additional premium will be charged (for the risk associated with the additional driver), without the knowledge of the insured.

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Q: Can you go to jail for putting yourself on someones auto insurance without permission?
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