Does a spouse have to be added to car insurance?

Answer 1

It depends on a couple things. Does the spouse have a valid drivers license? Does the spouse live in the same house? Does the spouse live in Another Country?

These questions can help determine if your spouse needs to be added. Some insurance companies will not cover your car if it is in an accident and was being driven by your spouse, if that person was not listed as a driver.

Insurance companies charge a premium based on the amount of risk. Everything is risk; the area you live, the car you drive, your age, your sex, how many miles per year you drive, etc. If another driver lives in your house and has access to your keys, the insurance company will want to rate for that person (charge more money).

The alternative is not telling your insurance company and waiting until after an accident to find out you broke the contract (all policies are contracts), and that they will not pay to fix your car or represent you in legal trials. Is it worth it to save a few dollars and try to cheat the insurance company if it means you won't have car insurance when you actually need it?