Can a wife get her own ins. policy on her own vehicle and husband have his own for his? Still married but not living together.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 25, 2011

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Insurance Question from El Sobrante, CA

Asked on 12/25/2011

Can a wife get her own ins. policy on her own vehicle and husband have his own for his? Still married but not living together. My husbands license is revoked till July 2012 and I do not want to be responsible for his driving habits. We live an hour apart and I could no longer afford to pay ins. on both cars. I excluded him and his vehicle from the policy but his name is still the primary. Can he alter the policy and put himself back on it? He is not financially stable and the bill comes to me. I 'd rather just pay mine and he pay his. The pink slips say Mr. or Mrs. (not and). Would that make a difference? His car is currently on non-op and needs registration and proof of ins. He's ready to come and get it soon.

Answer given on December 26, 2011

In California, the auto policy covers the named insured on the policy and a spouse, IF living in the same household. If your husband has a revoked license and you have excluded him from your policy, then you are not responsible for him with this car. It is unlikely the insurance company will be willing to add him to the policy since his license has been revoked. You should speak with your insurance agent and advise them not to make any changes to your policy without your specific instructions. He will also be unable to get insurance on his own car until his license is reinstated, or unless he names a driver to his policy. It is not recommended that you allow him to list you as the driver of his car.When your husband decides to start driving his car, you should ask to be removed from the title of that car. You might also ask him to sign off of your car, if he will do so and then change the auto insurance. You might also consider getting a legal separation to further separate your assets and liability from him. A lawyer may need to help you with this.


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