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.

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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 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.

Coverage & Claims

Is car insurance cheaper if your spouse can't drive?

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.

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.

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
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.

General Insurance

What do I need to get on my wife's auto insurance policy?

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.

Eligibility

Car insurance implications of not adding wife to policy

Most insurance companies require anyone above driving age (16, usually) to either be added to the policy as a driver, excluded, to added to the policy as a non-driver. In this case, she will most likely be an excluded driver, meaning she isn't allowed to use the vehicle.

Eligibility

Can I buy weekly auto insurance in Michigan?

Short term insurance is available in Michigan but you would have to contact a local agent in your area for assistance. LA insurance is the most common issuer of weekly policies in Michigan.

Eligibility
General Insurance

Do adult children have to be added to a policy when occasionally driving a parent's car if they have their own policy?

They would only need to be listed as drivers if they live in your household and/or drive the truck on a "regular" basis. Most companies consider "regular" use as 12 times or more per year.
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