Do I have to carry my spouse on my insurance

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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: Sep 2, 2018

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Insurance Question from Syracuse, IN

Asked on 09/02/2018

Do I have to carry my spouse on my insurance I want to have my own insurance policy on my car without my spouse on it is this possible

Answer given on September 03, 2018

To not include your spouse on your auto insurance can be an issue with many insurance companies.  It will, in part, depend upon the registration of your vehicle.  If they are on the registration, they will need to be included on the policy.  If they are not on the registration, and they live with you, you will need to exclude them from the policy with a signed form. They will have to sign the form acknowledging they is not covered under your policy.  

Some insurance companies will not exclude a spouse from auto insurance unless you do not live together, since many auto insurance policies indlcate that the spouse is automatically covered, if they live in the same household as the policyholder.  You can see if you can purchase a separate policy for your spouse on a different car, and then it is easier to exclude them from your policy.

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