Does My Husband Have To Be On My Auto Insurance If He Doesn’t Drive The Car?

1. 

   0 POINTS

   view profile
   dmrozek

   Ann Arbor, MI

   I understand it's hard when you have a driver with, shall we say, a less than stellar driving record.  Most companies, however, will want your husband to be named on your auto insurance policy.  Over the years they've realized that people drive the cars that they own whether they're insured on a policy or not.  It's just the reality of the situation.  However, that doesn't mean that your rates have to be sky-high, as you put it.  There are some pointers I can give you to help minimize the impact.
   
   
   
   Your husband can get his own insurance separate from yours.  If his record is bad enough that he has be placed with a non standard(high risk) company, you can still have a policy through a standard company.  As long as he has insurance, he doesn't have to be listed as a driver on your policy.
   Whether you choose to have him get his own policy or list him on yours, list him on a car that doesn't have physical damage coverage(comp and collision).  Physical damage coverage on a non standard policy can cost big dollars, as much as 75% of the total cost of the insurance.  
   Track his driving record.  Any violation will eventually drop off for rating purposes.  Most minor violations will drop off after two years, at fault accidents will usually drop off after three years, and major violations(DUI etc.) will drop off after five years.  As soon as he's eligible to be insured through a standard carrier, list him.  Many people don't realize this and continue to pay non standard rates even after they're eligible.
   I'll preface this last point by saying I don't recommend it.  Some companies can exclude a driver.  In so doing they're not rated on the policy and they're record doesn't matter.  But realize that there is no coverage if they get into an accident,even if they're driving a car on the policy.  Once again, I do not recommend this.
   
   From time to time I see a driver that has a problem driving safely.  They routinely get tickets and have accidents.  Some will even just stop carrying insurance because it's so expensive but don't seem to see the correlation between their driving and their insurance rates.  If he will, get him into a safe driving program.  If he won't, you'll probably be dealing with this for a long time.  Good luck.

   Answered on December 6, 2013

   flag this answer
2. 

   14231 POINTS

   view profile
   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   Here in CT, a licensed driver needs to be either rated or excluded on an auto policy.  The tough part is that although this can work in many situations, a spousal situation is not one of them.  It may be possible if each of you have a car registered in your own name and insured on separate policies, this you really neeed to check with your Insurance Professional

   Answered on December 6, 2013

   flag this answer
Did you find these answers helpful?
Yes
No
Go!

Add Your Answer To This Question

You must be logged in to add your answer.