What are the specifics regarding multiple names on an auto insurance declaration coverage?

Answer 1

Names that may be listed on the declarations page definitely include the "named insured" and may also include the "drivers" listed and excluded if any are excluded. The named insured is who the policy belongs to and in who name the insurance is in. It is very important to realize that you cannot insure something that you do not own. The only exception to this is a legally married couple. The insurance can be in either name as long as the vehicle is is one or both names. I always list both the husband and wife as the named insured on an auto policy so that either can make changes to the policy and if one dies the remaining spouse will not have to start over with their insurance. Just remember that the insurance must be in the name of the person who owns the vehicle. If not the insurance cannot pay a claim and you have wasted your money.