Yes. You can remove your spouse from your car insurance policy, whether you live in separate homes, are getting a divorce, or just want to maintain your own auto insurance policies. If you’re the Primary Named Insured (PNI) on a car insurance policy and have simply named your spouse as an active driver, you can remove your spouse and make other changes to the policy yourself. If you’re not the PNI, you can only remove yourself from a car insurance policy.
To remove your spouse from a joint car insurance policy, you will need to get their signed consent and then follow the proper procedure, which will depend on your insurance company’s rules. If you and your spouse are sharing a home, your spouse will have to get an auto insurance policy in their name before you can remove them for your car insurance policy. Your insurer may even require an affidavit from your spouse’s auto insurance company to confirm the policy and coverage information before removing your spouse from your policy.
Removing Your Spouse from Your Car Insurance After Separation or Divorce
If you and your spouse decide to live in separate homes or divorce, your insurance provider will almost certainly require that you each get your own insurance policies, which are sold taking one’s zip code and household size into consideration. Once you and your spouse have established your own addresses, your spouse can get their own auto insurance coverage and you can drop them from your car insurance policy.
Also, if you are divorced or live in separate homes but share custody of a teenage driver, be aware that while the teen driver may only need to be listed on the auto insurance policy of the parent granted primary custody, some insurance providers will require the teen driver to be covered under the car insurance policies of each parent.
Remember, it’s illegal to drive without car insurance, so it’s important to have a plan in place for your spouse when you want to remove them from your car insurance policy. It may be time consuming and frustrating, but following the proper steps to remove your spouse from your car insurance policy could save you from running into problems with your auto insurance provider later on.
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