Insurance Question. Insurance dropped policy because spouses dont live together...?
Ive been married for over 5 years and my husband has had the same auto insurance for us that entire time. Both our vehicles are in my husbands name solely (thus i can not get my own policy since my name is not on the title) and we are both covered drivers on them, i am medically disabled and unrmployed. My husband and i have never lived together. Due to finances and logistics. He ony has a small two bedroom house were he shares a bedroom with his som and his three daughters share the other room and i have a smaller one bedroom rental where my two boys share the room and i sleep in the lvingroom. We have tried to sell my husbands house but he owes more than its worth and we are unable to get two mortgages. This arrangement is not perfect but is working for us. All our children are in high school and will be graduating soon. I have had two accidents in the last 5 years, one in 2011 and In november a truck hit me, both accidents a police report was filed, the november accident is in arbitration and were waiting for a independant decision. Today our insurance agent called my husband informing him our auto and his house insurance would be dropped in 30 days due to the fact that i didnt live with him?? Is that a standard insurance policy? Why are they waiting until now, the accident i had in 2011 showed my separate address??