How do you remove spouse from auto insurance Husband is disabled living permanently in a long term care facility does not drive or even own a car Insurance won't remove him from the policy?

Answer 1

The first thing you need to determine is if having your husband named on the policy is causing your premium to be higher than if his name wasn't on there? If the answer is NO, there is no valid reason to pursue having him removed. Drop the issue.

If including his name is causing higher premiums, that is why the insurance company won't remove him. They'll lose money if the do so and, as much as it sucks, they can legally do so because he is your spouse, regardless of anything else. They love to do this in situations where husbands get a few DUIs and end up losing their license for 5-10 years or even for life. He still has access to your keys and might possibly drive it without a license and cause a very expensive accident that they would have to pay for!

If your hubby has a clean driving record for the last 3-years or no license for that time period, it's unlikely that having him on the policy is working against you. If you removed him, they could choose to change your marital status from Married to Single or Divorced, which would increase your premium by 10-30% instantly! If you were paying $1500/year as married and were reclassified to single, it could cost you up to $600/year or even more and they DO NOT 'undo' it once they do it!

If you are determined to have his name off of your auto policy, your only realistic option is to switch insurance companies! You have the right to cancel your existing policy at any time, regardless of when it expires or renews. But if you go this route, be certain that you don't have even one day without coverage. A 1-day coverage lapse (or any lapse longer than that) can cost you THOUSANDS over the five year period following the lapse.