Does New York allow spouses to have separate auto insurance policies?
NY and Auto PoliciesYou can have separate policies, but most of the time, it is cheaper to be on the same policy. A NY Insurance Company will ask the question of being married, and if there are other licensed operators in the household, regardless of if they drive the car. It is always said that if there are others in the household that they do have access the the vehicle (last car in the driveway theory). If you commit fraud, you can be denied a claim.
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Spouses are allowed to carry separate insurance policies, as thereare no laws stating otherwise. However, it is generally more costeffective for spouses to carry one together.… (MORE)
You can "exclude" anyone from your policy. This is frequently done when a young person is of driving age and you don't want your policy to cover them because the rates would g…o up. So yes, you can exclude a current, separated, or whatever spouse or any other person from your policy. (MORE)
No, in fact it is a habit by some couples (when one is accident prone, etc).
In New York
In New York State can you exclude a spouse from your auto insurance policy if she will never drive due to a lifelong disability?
As long as you let the insurance company know that you are married and the reason she will never drive the vehicle.
I know that it is easy to think you don't want to pay for the other person's insurance but you must think logically about this. You are still legally married and are liable fo…r each others debts. If you cancel their insurance and they hit someone you could be liable for the damages and injuries no matter what. And if you cancelled the insurance there is no adjuster to pay for attorneys, pay for damages, etc. I always suggest to my clients that they keep all insurance until the divorce is final. If they can't get along enough to do this then I suggest they both come in and get their own coverage as a second best alternative. Also, if the get back together to let me know. (MORE)