Motorcycle Insurance

Do I have to be under my wife's auto policy if I have my own motorcycle insurance?

Hello, Put short, yes, you must be listed on your spouse's insurance policy. However, if you never drive her vehicle (and see yourself doing so in the future), it's likely that you can have yourself excluded from her policy.

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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.

General Insurance

Car insurance in MA to exclude my disabled spouse

Massachusetts is considered a No-Fault state and requires Personal Injury Protection coverage. This means that your insurance company will pay for your medical injuries no matter who is at fault in the accident.

Insurance Companies

I'm not licensed but need to insure a vehicle

All things considered, it would probably be best/cheaper for your husband to add you to his policy. You will get a multi vehicle discount</a?

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.

Coverage & Claims

Do I need no-fault coverage?

You can't really get no-fault unless you live in a state where it is required. Currently, 12 states have no-fault insurance laws: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah.

Eligibility
General Insurance

Can I keep my married child on my car insurance policy in South Carolina?

It would really depend on your insurance and why you want your child to remain on your policy. If your child uses your vehicle regularly when he or she visits, speak to your insurance company about adding them as a non-resident driver.

General Insurance

Can my insurance agent list me as single even if I'm married?

No. You should be able to be listed as married and just have your wife listed as an excluded driver on your policy.

Eligibility

Do I add my ex wife from my insurance?

If they are still legally married, she would need to be listed on the policy. But, if she's not using the vehicles or doesn't own them, she can be listed as an "excluded driver" and thus your policy won't be affected.

General Insurance

Is it fraud for someone to be legally married but get car insurance in their maiden name?

There is no fraud issue with using a maiden name on your policy if you prefer unless the purpose for using the maiden name was to hide the fact that you are married. Your insurance company will require that your spouse be listed on your policy and excluded if you don't want him covered to drive.
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