It is likely that if the husband is unable to drive, then he can't get insurance and the wife would have to be insured. You need to check with your insurance company.
No. Your insurance rates are determined by the driving record(s) of the driver(s) on the policy. If your husband isn't on your policy then you won't be affected. Look at your insurance declarations page to see what drivers are on your policy.
Yes, you can borrow your parents' car without being a named driver on their insurance policy. Depending on the type of policy and its actual rules, you might or might not be covered in case of an accident.
The question is a little confusing. If the spouse or person is listed on the insurance policy as a driver of the vehicle then they are indeed insured and shouldnot besubject to being penalized for that specific issue.
Add him in what capacity? If it's an auto policy and you want to add him as a driver, that's fine. If you want him to be named on a homeowner's policy, it can only be done if he has actual interest in the property.
Each vehicle does have to have its own insurance policy, but as long as she is listed as primary driver on the car your husband can purchase and pay for the insurance on the car she drives when not at home. This is commonly done for example while a child is away at college.
The actual driver. Unfortunately, if the driver is your kid, and you're adding your kid to your insurance policy, it could affect your rates.
The ex-husband can place the minor on his insurance policy. Your driver's license number is neither required or necessary.
A deferred driver is a listed driver who has a policy elsewhere and therefore is not used in the rating of the policy from which they are listed as deferred.
Subject to any policy exclusion, he more than likely will be considered an insured driver and therefore coverage, however he will then need to be rated on the vehicle. (if he is an excluded driver already on your policy, then unfortunately you have a problem, no coverage for yours or the other vehicle).
yes. plain and simple. you lent the car and then they are a permisable driver. As long as they are not n excluded driver or a resident in your house. It depends, if your policy is a named driver & the driver is not named, your policy will not respond. If your policy is a standard auto policy then yes, your policy will respond.
Driving records follow the driver so no. However you may want to look long at the reasons why you are splitting up policies. More often than not it is cheaper to have the entire family covered under one policy, in fact many companies won't even allow you to do this. Secondly, if you do split the policy it is important that your son does not operate your vehicle under any circumstance, unless he is also listed as a driver on your policy.
i don't know if he has a policy...how do i find out?