So presently my wife is on my auto insurance and the last several times I rode with her I noticed she doesn't pay attention to cars suddenly stopping in front of her as well as other issues like not yielding on green left turns. I sense the writing on the wall and don't want my insurance rate to go up if/when she has a crash. Can I just get my own policy without her on it, as in she only drives her car and I only drive mine...?
Anonymous
Favorite Answer
NOPE, YOU CANNOT. You both have to be on the same policy unless you stop living together. Instead, buy her a car that has automatic emergency braking. It's going to be required on all new cars pretty soon anyway. https://cars.usnews.com/cars-trucks/best-cars-with-automatic-emergency-braking-systems
?
Just don't let her drive your car. Problem solved.
If you're thinking a spouse has some sort of legal right to drive your vehicle, you'd be wrong. If you're the legal owner of a vehicle, you and you alone say who can and can't drive it. If your wife drives your vehicle without your permission, especially after you tell her she's not allowed to drive it, she can be charged with stealing your car. You would be required to testify at her trial, but your testimony would ensure a conviction from the judge.
Not sure what that would do to your marriage, but that's not what you asked.
May
So. No. So That won't work. So. It is because you live in the same household and as such each of you must be reported to your respective insurance companies. So
The "SO" generation
A Hunch
Do you separate all your money like roommates?
If not, what's the point.... "your" premium won't increase; her's will... and unless you keep all your money separate you are paying for it too.
Anonymous
That’s going to be an interesting discussion, let me make popcorn before you bring it up.