If a person is deceased, does their car insurance get cancelled?

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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: Nov 22, 2011

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Insurance Question from Cedarville, MA

Asked on 11/22/2011

If a person is deceased, does their car insurance get cancelled? If a person is deceased does their car insurance get cancelled and if so, with the car still registered and inspected, can others drive it if they are insured for their own vehicle? Should we respond to the insurance companie's request for mileage information for discounted auto insurance for the deceased or just ignore the request?

Answer given on November 23, 2011

The named insured on the auto declaration page is the deceased.  I take it that there is no one else that is insured by this policy or co-owner of this car.  Either way, you should notify the insurance company right away that the person is deceased. The auto insurance for the decease individual insured him or her and the auto and anyone that was given permissive use to drive the auto.  The named insured is decease and therefore there is no one to insure to drive the auto as well as no permissive use given. Notify the insurance compnay right away.  Have the tags and the registration properly corrected to reflect any new owner of the auto.  Another person’s insurance would not extend to this automobile.   

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