MIL dropped husband and vehicle off her policy without notifying. He was pulled over and citation given. Is he covered under our alt policy?

My husband and I split up on May 24th of this year. We had only 1 vehicle at the time and were and are currently both covered on that Oklahoma auto policy. On May 31st he and his mother purchased a vehicle. She placed the new vehicle and my husband on her insurance policy at that time. On July 24th, his mother removed both the vehicle and her son from her policy without mention, notice, or explanation to him or me.

As life would have it, only a few days later, he was pulled over and was issued a citation for failure to maintain insurance. That is how we found out the car was not insured on his mother's policy. However, I have an active auto insurance policy in which my vehicle is covered. He and I are both listed on the policy. I have since added the vehicle to that exact policy. Should coverage be applicable in this situation? Or was he covered but not his car? 

Sep 11, 2019 Lindsay, OK

Kristine Lee

Sep 11, 2019

Sorry to hear about the situation. Unfortunately, I think your husband's failure to maintain insurance citation will still be valid. State law does not consider who is driving when it comes to issuing a ticket. Even though he is listed on your policy, the vehicle was not — and the vehicle itself must be covered to be legal in their eyes. See more info about this here.

If the event were a claim, then likely the claim would only be covered for liability since he is an insured driver on your policy. Most policies state that if using another vehicle they will still provide liability coverage if needed.

If you have any questions, don't hesitate to ask.

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