No you do not have to cancel either insurance.. You are what we call in the industry "dually covered". That means that your secondary(husbands) insurance will pay all or most of your copays ( for prescriptions and office visits) and most of your deductible ( if you have one)... Therefore, make sure that all your providers accept both insurances and you are all set to go!!!! If you are wondering if you can cancel your insurance with your job, you will have to call your group administrator to find out because there are special times during the year that you have to make any changes to the policy.. such as cancelling coverage, adding a new baby or removing an ex spouse.
An insurance company can cancel your coverage for any number of reasons, all of which would need to be laid out in the policy (contract) that you signed with them upfront. The most common reason that a company would cancel your insurance would be for nonpayment. Other than that, you are probably safe unless you lied about something on the application.
Are they still married? Separated? Divorced? If nothing else, the husband should get a notice from the Insurance Company about his COBRA rights. What does the divorce decree say? Once the divorce is final, the Insurance Company wouldn't consider the x-husband eligible anyway.
Call your insurance agent and tell them you would like to cancel your insurance.
The same as with any insurance policy. You just contact the company and inform them you would like to cancel your policy. You can also stop paying the bill.
They shouldn't, How would they even know?
Only if they have a power of attorney that would allow it. Otherwise its fraud and identity theft. Talk with DMV and find out who the company is and have them cancel it and report it for a fraud case.
If not legally separated, you will probably have to wait until open enrollment through your employer to cancel her insurance. If you do get legally separated, you can cancel insurance as you have had "change in status." Usually insurance companies will process changes outside of open enrollment when you have a change in family status. An example of this would be getting married, having a baby, or getting divorced/legally separated.
If the car and insurnace is only in the husbands name, she would not have the right to cancel it. If it happened, it would most likely be the agents problem because he or she had canceled it when they shouldn't have.
Why would the wife want to do that? Check the Family Law Code in your State - she's probably responsible for any debts that her husband incurs. Check with the Insurance Company - they will probably write a separate policy for the husband. If's it's group insurance - he's probably entitled to his own policy under COBRA - once COBRA expires - he's probably entitled under HIPAA
The husbands own insurance would be primary, and his wife's would be secondary.
Usually you can cancel the Gap insurance anytime you want. You should be refunded money too depending on when you purchased it. Gap Insurance has nothing to do with Auto Insurance. Gap Insurance is just something that you purchase "usually from the dealer" to protect you if your upside down in your loan. Say you owe $5,000 on your vehicle, but it's only worth $3,000. If you have an accident and it's totaled out. Your insurance company is going to give you only what it's worth. So you would get $3,000 from your insurance company. The Gap insurance would cover the "GAP" between what is owed and what you got from the insurance company. Because your still going to owe the bank another $2,000 for a vehicle that is totaled out. Gap insurance can sometimes be difficult to cancel, and they sometimes they will give you a hard time about it.. But just read the paperwork that you got when you purchased your vehicle, usually it tells you on there how to cancel and if there are any fees involved. Just keep in mind that Gap Insurance is not Auto Insurance, so you would need to have Auto Insurance regardless if you have the Gap Insurance. Good Luck!
Yes, if you cancel your home insurance policy mid term you would be entitled to the unearned portion of your premium payments.