My Husband and I Are Separated. Do I Need To Change My Auto 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: Jul 15, 2021

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if you are simply living apart, no changes are required at this time. You can continue to receive the discounts for multiple cars and multiple lines of insurance with your insurance company. You may still be legally responsible for each other’s liability in the event of a loss. If you are both on title for the auto (and/or home) you should keep the insurance on one policy. If you separate title, you should separate the insurance. As you put your divorce in motion, you will want to check with your divorce attorney what exactly you and your spouse own and when to parcel out the assets. If your divorce attorney tells you to get separate insurance this next advice pertains to you too. It’s fine to start with your current insurer. But don’t assume you’ll get the best deal from them. Call around, explain your specifics, consider whether you need more, or less features.

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