Do you have to include your spouse when applying for auto insurance?
Do you have to include your spouse when applying for auto insurance?
My wife has only had one accident in her life, but it was last year so it is on her record. Now, when we shop for auto insurance and include both she and I on the application, the rates are outrageous. Can I just apply by myself since mine is the only name on the car? In the rare possibility that she get in another accident, it would still cover the car with full coverage, right?
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2 Responses
1.31.2010
Best Answer – Chosen by Voters No, you don't have to, but if she is not included she probably would not be covered. Most insurance companies require you to specifically exclude family members living in the same household from coverage.
1.31.2010
If, your wife drives the vehicle and you did not declare her on your application, they probably will not cover your claim if there should be an accident and your wife was the driver. When you apply your asked what your status is Married,Single,Divorced or widowed. You have to answer. Are you going to make a false statement? Now you can be totally denied any coverage.In the event of a accident.I think you should just own up and make the honest declaration. It may cost you a little more but you may want to gamble. It is up to you. Good Luck. The answer to your question : No, your car would NOT be covered in the event your wife is in the accident as the driver. Source(s): NY State DMV Employee 19 Years