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Not Necessarily no. If your spouse is not listed on the policy then it may be a matter of state law.
Your Should contact your insurer and make sure your spouse is listed as a named insured on your policy if you want coverage extended to your Spouse. This will insure your spouse is covered and avoid ambiguity in the event of a covered loss. It also allows your spouse to discuss details of the policy coverage, request copies, make payment arrangements and resolve other billing issues if needed.
Technically your insurance policy is specific to the named insured(s) listed on the policy. By Law your Insurer may not discuss your policy with nor extend coverage with persons who you did not name as an insured on your policy.
If you are married and your insurer does not know this, then they would not assume that you are married nor would they assume that you intended your spouse to be covered.
You may very well have excluded your spouse from coverage intentionally due to divorce, separation or other estrangement.
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Can a wife sue homeowner's insurance for her husband's accidental death on their property?
No, Presumably You and your spouse are the named insureds on your policy. Your Homeowners Insurance policy is Hazard Insurance for your home that protects the insured for covered perils such as fire, wind, hail, theft etc. A Homeowners Policy usually offers Liability coverage which protects the insured(s) for costs associated with liabilities for certain injuries or damages to others or the property of another for which the named insured could be held liable. Since there is no color of law that allows one to be "Liable" to ones self. There would be no expectation of coverage for the death of the named insured or the spouse from your Homeowners Insurance Policy. Although one can certainly sue almost anyone for any thing. In this case the suit would almost certainly fail due to no coverage. The type of Insurance that you would need to cover an accidental death would be Life Insurance or an Accidental Death Policy.
Can a named insured be an excluded driver on an automobile liability insurance policy in Arizona?
Yes as long as the named insured is not a spouse, or if the spouse does not drive and does not have a drivers license the spouse can also be excluded.
Can your agent who is also the best friend of your ex remove you as an insured on your homeowners policy even though you co-own the property?
If you own the property you are an insured. The agent can't legally remove you from the policy. If he does he is subject to review by your states Insurance Licensing Bureau.
What if no beneficiary is named on a life insurance policy and they have a spouse what happens?
If an insured has a policy where there is no named beneficiary, or the named beneficiary is deceased, then the benefit will be paid to the insured's estate.
Can you add your pregnant girlfriend to your medical mutual insurance?
No. First your girlfriend cannot be an insured on your medical insurance because she has no legal rights as she is not a family member. Read your policy and you will see who is allowed to be an insured on your policy. Secondly, even if she was your legal spouse the pregnancy is a preexisting condition and would not be covered anyway.
Can you be on your wifes home owners insurance even though you are not on the deed or loan?
Yes, The insured can add a spouse to the policy as a co-insured. You don't have to be on the deed.
If you have full coverage who can drive?
Your question is not specific enough. If you are listed as a "Named Insured" and you are married, then both you and spouse are covered.
Can a spouse authorize a change to or agree to have a new car insurance policy issued only if they are listed as a driver on the present policy?
Yes because they are a member of the household and the spouse and the named insured have the same rights.
Can anyone else but the insured change the beneficiary on a life insurance policy?
Only the POLICY OWNER can change the beneficiary on a life insurance policy. In most cases, the insured is also the policy owner, but it's not a general rule. The policy owner can be another person who is paying the premium (for example, a parent or guardian, spouse or other family member), or a bank, or a business. If the policy owner is not the same person as the insured, then the insured has no control over who the beneficiary is on the policy.
When a car owner dies does his auto insurance remain in effect until the expiration date and will it cover family members who drive the car?
It varies by state. Read the 'Assignment of Benefits' section of your automobile policy and it will provide a specific answer. As a general rule, the executor of the estate will be able to drive the vehicle when using it for 'estate' business - that is, to and from appointments with the attorney handling the estate, etc. No other drivers would be covered. In most cases, the policy will only cover for a certain period of time after the death of the named insured. Also, if it is a spouse that passes away and the other spouse survives and is listed as a co-insured on the policy, the Assignment of Benefits would not come into play and the policy would just have the spouse that passed away removed. If that is the case, the policy would cover as it would have normally even if the first named insured had not passed away - i.e., anyone with permission to drive the vehicle and is not excluded under the policy would be covered.
Could a spouse cash a husbands auto insurance check for repairs?
No. The check must be endorsed by whomever the check is made out to. This will be the insured on the policy. If the spouse was not the named insured on the policy then she cannot legally endorse the check unless he gives her power of attorney or if he is deceased and she is designated as administrator of the estate by the court.
Is my husband covered if auto and auto insurance are in my name?
Your husband must be on your policy to be covered. In some States you have to ad your spouse to the policy regardless if they will drive your vehicle or not.
