You can definitely exclude your spouse from your auto insurance. They shouldn't be driving if their license is suspended so they don't need insurance.
Yes, You can still get auto Insurance on your own.. It is common for people to exclude an unlicensed spouse from from coverage on their Auto insurance Policy. This way you don't get penalized for your spouses driving record.
In general you need a license to get insurance for your car, but if yours has been suspended it is still possible to get insurance by selecting a primary driver, such as your spouse.
I would call an insurance agent and they can provide you with a rate and possibly a policy.
Generally, insurance policies exclude suicide. Check with your insurance company, as they are all different.
If your spouse has no drivers license and does not drive, then no, you don't have to include them on your auto insurance policy. Actually, they have to have a drivers license before they can be added to the policy.
You can exclude them as a driver if they no longer have a license but be aware that if they ever drive the vehicles even for an emergency there will be no coverage at all. If their condition changes and the are given back their license you need to make sure the exclusion is taken off the policy before they drive.
Excluded High Risk DriversYou can exclude the spouse with the bad driving record from the policy. Since their license is suspended they can't drive anyway. Be careful of the excluded driver option, however. With an excluded driver endorsement, there is NEVER any coverage for the excluded driver -- EVER. Sounds pretty obvious until that person gets behind the wheel and wipes out a busload of nuns. Interestingly, people tend to forget all about being an excluded driver under those circumstances.hahaaa where we live there is no public transportation. I got excluded driver ins. but i am not comfortable with it but the payments for other insurance is over my head at the time being. thank you for your advice on this question.
Yes as long as the named insured is not a spouse, or if the spouse does not drive and does not have a drivers license the spouse can also be excluded.
As long as you let the insurance company know that you are married and the reason she will never drive the vehicle.
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 go up. So yes, you can exclude a current, separated, or whatever spouse or any other person from your policy.
Not usually. With most companies the spouse will be required to sign the exclusion. I always recommend my clients against excluding people from their insurance policies. An exclusion takes away all coverages on a policy if the excluded person is driving not matter what the circumstance. Back to you original question, it is up to the insurance company whether or not the spouse must sign to be excluded.
Yes, you can even insure her. It will need to be a non-standard auto policy.