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.
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.
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.
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.
It could be, especially if the person with the revoked license is involved in an accident because he cannot legally drive a vehicle and she committed insurance fraud by not telling her insurance company the spouse was in the household.
no there is no medicare insurance for spouse. Medicare insurance covers the claims only for the self and not fore the insured persons like spouse.
Usually the Insurance underwriters would offer the licensed driver what is called a Named driver exclusion. This should not affect the cost of your insurance premium. The u/w would need to know information about the unlicensed operator (why don't they have a license? was it suspended, revoked, or are they just not licensed because of a handicap, or the person just does not drive) Once this is determined then he u/w would better know how to proceed in offering the NDE.
yes he or she might have some explaning to do thoughhh. : )
Yes. The person who the insurance is through can.
Yes - if the insurance company will allow it. Some medical insurance companies will not.
how do you add spouse to your blue cross blue shield health insurance
Your spouse can get a separate policy (usually cheaper) or you can contact your insurance company to get the right paperwork for adding your spouse. Adding your spouse as a beneficiary, your agent can help.
It is not illegal for a spouse to cancel health insurance before another spouse files divorce. However, if a current legal separation agreement is in place that allows for health insurance, then it can not be cancelled.
this is a common question. it really depends on the company you are referring to. most major carriers require both spouses to be on the policy with the exception for the following reasons: 1-spouse not licensed 2-spouse cannot drive for medical reasons 3-spouse lives out of the country some companies will let you exclude your spouse from the policy. this means that he/she is listed and acknowledged as a licensed driver in your household but does not drive your vehicle. if you have your spouse excluded from your policy and they get in an at-fault accident in your vehicle there will not be coverage. usually it is cheaper to be rated as married on the auto insurance policy so you may want to get a quote for that. also, you should get the multiple vehicle discount.
Yes, especially if your spouse pays towards the insurance benefits out of his/her check.
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.
Yes you can. When my husband and I got married, I kept my own insurance. Answer You can but...many insurance companies require that all licensed drivers in the household either be named on the policy or specifically excluded. If you exclude the spouse with the DUI from your policy your insurance would not cover that person if they were involved in an incident in your car. If you are concerned about liability for his driving habits, a better way would be to obtain legal advice as to car ownership with him and to act on that.
Yes one can buy life insurance for his or her spouse because he or she has insurable interest in the spouse. One would not like to see his or her spouse die so there is no moral hazard involved.
No, the spouse is not. The beneficiary is named. There are laws that require the spouse to sign an acknowledgement that there is life insurance that she is not the beneficiary of.