Coverage & Claims

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

Sorry to hear about the situation. Unfortunately, I think your husband's failure to maintain insurance citation will still be valid.

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Coverage & Claims

Can a married couple have separate car insurance policies?

Yes, you can have two separate policies. This can have its benefits in some cases.

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.

General Insurance

If I am leasing a car and die before the end of the lease term, can I buy insurance to cover that?

I recommend getting a life insurance policy is this is something you are concerned about. To my knowledge, there is not coverage within auto insurance that would help with the death of a policyholder.

Eligibility

Do I need a consent form to remove husband from car insurance policy?

There isn't a consent form. What I would recommend is contacting the insurance company and advising them of the situation to see what they can do to remove you from the policy.

General Insurance

How do I handle car insurance after my husband's death?

I'm sorry to hear your husband has passed. Every company is different when it comes to their process when a spouse passes away.

Eligibility

Husband is in prison, how do I handle the car insurance?

You can exclude your husband from the policy if he is not driving the car. This means he would not be covered to drive but his driving history and status would not impact your rates.

Coverage & Claims

Am I required to remove my ex-wife from my car insurance policy?

Yes, as long as she is listed as a driver on the policy, she can stay on her ex-husband's insurance policy. With that being said, it is no longer the ex-husband's responsibility to carry insurance on the car.

Coverage & Claims

Should I file a claim for damage to my car caused by my husband?

There are a few things involved here. First, whether you file a claim or not, most insurance companies require you to report every accident.

Coverage & Claims
Eligibility

Risk of assets for separate car insurance policy

Although you have separate car insurance policies, your mutual assets would still be at risk because you are married. Your husband's car insurance would be the one to pay for the damages but if the damages exceed his policy limits for liability then your husband would be responsible for the remaining damages.

Car Insurance Costs

Husband backed into a pole in his work's parking lot how to handle insurance

There are a few different factors to consider. First, most insurance companies require you to report any incident that occurs with the car, even if a claim is not filed.
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