Yes: Your spouse/children can be included on your insurance policy regardless of who was/if there was a cosigner on the car.
spouse did not know name was on policy or that the other name was removed without knowledge
No, Not legally unless it's your spouse.
If your spouse has no drivers license and does not drive, then no, you don't have to include them on your auto insurance policy. Actually, they have to have a drivers license before they can be added to the policy.
Legally...no. But, for insurance purposes, yes.
I would let your insurance company know. They can remove them from the policy. That might help lower your rates. Sorry for your lost.
Usually the insurance company will want him and his spouse to have their own insurance policy as they should have. If there is some reason for him to be on your policy like the car is still in your name they will probably let you do it. Make sure he is listed as a driver, his spouse is listed as a driver, and anyone else that should be listed is on the policy. If the car is in his name and he does not live with you do not put it on your insurance as there may not be any coverage is a claim happens. Make sure the insurance company know the whole truth about the situation.
Yes because they are a member of the household and the spouse and the named insured have the same rights.
Yes, You can still get auto Insurance on your own.. It is common for people to exclude an unlicensed spouse from from coverage on their Auto insurance Policy. This way you don't get penalized for your spouses driving record.
Depends on the state and your insurance policy. call your local agent.
In general, all rental companies charge for the 2nd driver or spouse. As the renter, you receive no additional benefit from this fee. If you have another car with insurance, it's very likely that your own insurance policy will cover both you and your spouse without purchasing extra insurance or additional driver coverage from the rental company. *Check with your own insurance company to be certain.
No. You and your spouse are considered to be in the same household and are covered on the same insurance policy most likely. This would be like suing yourself, which you cannot do.