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Is it fraud to list an ex-spouse on your car insurance for a lower rate?

Can my friend have a policy in the state she lives in and be a driver listed on her ex-husband’s auto insurance policy in another state? He is trying to get a lower rate. I told her this would be considered fraud. What should she do?

Agent Answer

Ava Lynch

If they are legally divorced then he cannot list her on the policy if she does not drive his cars. If they are not legally divorced then he will need to list her on the policy but exclude her the policy if she is not driving the vehicles. Being excluded means she is not covered to drive under the policy. Good luck and if you have any questions, don’t hesitate to ask.

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