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Auto Insurance Decisions for Widow(er)

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BACK TO AUTO INSURANCE Q & AS

My Wife Just Passed Away. How Does This Affect My Insurance Rates?

The article discusses the affect of your spouse’s death on auto insurance rates. If you own more than one car, the car insurance rates on the extra car could go down. You would continue to have the multi car discount.

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My Husband Just Died. We Have 3 Cars, But I Only Use One. I Had An Accident. Will The Insurance On All Three Cars Be Increased?

In the case of an auto accident by a widow who insures three cars on her auto policy, most insurance companies only surcharge one car in the household if there is only one driver. They will usually charge the most expensive car, but some will only put the charge on the car you indicate that you use as your primary vehicle.

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I Have Someone Who Helps Me Around The House and She Occasionally Drives My Car. Is That Ok?

A caregiver for in-home services who occasionally drives your car is covered by your insurance policy, but it is your liability and responsibility in the event of an accident, since you have authorized the caregiver to use the car.

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