Coverage & Claims

I'm on a shared policy, is it possible that the claims made somehow only show up to my name?

Claims departments should be marking the correct driver for a claim but other drivers pop up on reports from time to time. This comes from the way the insurance company generating the quote is reading reports.

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Coverage & Claims

Am I still covered on my ex-husband's car if he took my name off the insurance?

Unfortunately, if you are not listed on the policy and drive the car on a regular basis, it's not likely that you would be covered. Permissive use usually extends to those who drive someone else's car, but that is usually capped at no more than one use per month.

Coverage & Claims
Eligibility

Can my husband be liable for his ex-wife's uninsured vehicle?

In this situation, yes - your husband and his ex can be held liable for the damage. It's important to note that liability insurance follows the driver, not the car.

Eligibility

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

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.

Coverage & Claims

Can my ex insure the vehicle I am financing?

Yes. Your ex-wife can insure the vehicle as long as you are listed on the policy as a driver (because you are the one financing the vehicle) and listed as the additional interest since you have a financial stake in the vehicle. Also, make sure the finance company is listed as the lienholder on the policy.

General Insurance

What will happen if I list my ex husband as my spouse on my policy?

It's never a good idea to lie on your insurance application. Saving a few dollars is not worth being fraudulent or having your policy canceled for avoiding premium.
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