My wife and I are separated but not divorced and I’m not sure if she needs to be on my auto insurance policy? I’ve been separated for two years but we don’t live together. My insurance says she has to be on there but she’s a liability (terrible driver and it’s going to cause my insurance to spike). I also want my new girlfriend on the policy so I don’t get why my soon-to-be ex wife needs to be on there. Is there another way to avoid adding her?