General Insurance

Do I have to list my spouse as a driver?

You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.

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Coverage & Claims

Will my rate change if I remove my non driving wife from insurance policy?

The only rate change you might expect is a rate decrease. Because there are fewer people driving on the policy, there is less risk associated with your policy.

General Insurance

If you're married but separated do you have to include spouse on car insurance?

If you are legally separated, some companies but not all, will not make you list your spouse. If you are not legally separated then you will need to list your spouse but they can be excluded which means they will not be covered to drive on the policy and being married typically lowers your rate.

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

Does spouse with revoked license need to be added to insurance policy?

Since you are married, he will need to be listed on the policy as an excluded driver, which shouldn't affect your rate much. The reason he needs to be excluded is that he has access to the vehicle. If he is excluded, he will not be covered to drive either vehicle.

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.

Driving History
Eligibility
General Insurance

Do I have to list my disabled spouse on my Virginia auto policy?

Most, if not all, insurance companies require that any household members of driving age be listed on your policy. In most states, however, you have the option to exclude household members so they don't impact your rate and are not insured under your policy.

General Insurance

Why does my wife with a suspended driver license have to be on my car insurance?

Even though your wife isn't supposed to drive, she still has regular access to the vehicle. Your spouse must be listed to account for a person of driving age that lives in your house.

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.

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.

Eligibility

Can I get car insurance if my spouse has a revoked license?

Most companies will not insure a driver with a revoked license, even if there is a driver on the policy whose license is valid. Your spouse must be listed on your policy since you are married, but she does not have to be covered as a driver.
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