wife

I would contact the insurance company that listed the claim and start a dispute. They really shouldn't be able to put you down for this claim.

If your husband is able to get a cheaper quote due to his cleaner driving history, it would be a good decision to have separate policies. I would suggest you shop around for quotes as well to see if you can get a lower rate.

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

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.

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.

You would not be able to remove your spouse from the policy, even if they don't drive. What you would need to do is exclude them as a driver.

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

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.

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.

In order to be added to your wife's policy, you will need the VIN (a 17 digit vehicle identification specific to your vehicle) of your vehicle, your driver's license, and for the loan the lien holder name and address. Anything else they might they ask that we haven't already stated would be company-specific.