I’m recently married and, while my wife has a license, she hasn’t driven in several years due to disability (her knees don’t work and she uses a powered wheelchair).
We added her name to the title of my car to get a disabled license plate. However, once I told my insurance company, they jacked up my rates even though they have her noted as a disabled non-driver.
Their logic seems to be that she might drive some day, and everyone over 15 must be listed on the policy. However, if she does drive again it will be an accessible vehicle and not my current car.
What are the rules in Virginia?