Yes you can. When my husband and I got married, I kept my own insurance.
Answer You can but...many insurance companies require that all licensed drivers in the household either be named on the policy or specifically excluded. If you exclude the spouse with the DUI from your policy your insurance would not cover that person if they were involved in an incident in your car.
If you are concerned about liability for his driving habits, a better way would be to obtain legal advice as to car ownership with him and to act on that.
Separate
Usually flood insurance is a separate policy, for mobile homes or any other kind of home. Check the details of your policy, but normally flood insurance requires a separate policy or rider.
Two people in separate households can have the same insurance policy. Usually, you can give the insurance company separate garaging addresses.
No. House insurance covers your home and normally the surrounding 'grounds'. If someone trips on your sidewalk and sues you, it will be covered. As for the contents of your home, you must purchase a separate policy or add it to the existing home policy.
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Benefits paid from an insurance policy are separate from property that is left in a will. With an insurance policy, it is paid to the named beneficiary. That is not controlled by the wording of a will.
Tickets are issued to people not cars. If you get a ticket while driving someone else's car, it only affects their insurance costs if you are a listed driver on their policy. The ticket is for the driver.
if someone died and left an insurance policy and named me beneficiary how can i find out
Red light camera tickets are moving violations. As such it will probably affect your insurance, but only your policy issuer can tell you for sure.
Why in the world would anyone want to pay that much money for an insurance policy if they did not know the person? Life insurance is expensive.
An insurance policy and a will are two separate things. The policy is a contract between the insured and the insurance company. The beneficiary of the insurance policy is spelled out in the contract. The insurance company will pay the insurance proceeds to whoever is listed to receive the proceeds. The proceeds from an insuranc policy can be paid into the estate of the deceased and disbursed according to the terms of the will. The issue is who is listed as being the beneficiary of the insurance policy.
Yes, If someone will be driving the car, it is recommended to add inform your insurance company and have them added to the policy.