Auto Insurance Question??? Can an insurance agency cancel a auto and home policy if the married spouses do not live together?

  • by Rose Stello
  • Feb 24,2016
  • 6 answers

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??


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Insurance Answers (6)

mbrcatz 6 months ago

It's not true, that you can't get your name on the policy because your cars are titled only to him.
It is quite possible that the insurance company won't provide one policy to cover two separate households - it's double the risk.
It's also quite possible that you aren't hearing the full story.

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lucy 6 months ago

Your auto insurance is based on (where) you live, and any risks such as accidents and tickets. When your husband took out this policy, he told insurance that (both) vehicles are parked at the house, and had you covered as a driver on both which is standard. So, by doing so, your husband lied about where both vehicles would be parked and driven, thus they are canceling the insurance for the home and both cars. They "could" even deny paying on your current claim since your husband lied about where you live. In insurance, the term is called misrepresentation, or lying, which would void your policy.
Odds are in the 1st accident, they did not notice 2 different addresses, since many times the adjuster is looking at the details of the accident, from the statements taken, and the damages etc. But, guessing in this 2nd accident that is being disputed and in arbitration, have gone back through all the evidence they will be submitting to arbitration and just "picked" it up.
Your husband can get new insurance with another company for the house and also the cars, but, would need a (2) policies (he as the owner) and have the location of the 1 car you are driving on 1 policy and another policy for the other car where he lives.
Or, have hubby sign off on the title of the vehicle you are using and then transfer the title into your name. That would be the easiest, since then (you) as the owner has an "insurable" interest in insuring that car and get a policy in your name at your address.

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Bob 6 months ago

they can if you have not disclosed that fact to them

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jmm2112 6 months ago

Yes, it can. There's no "entitlement" to continued insurance coverage.

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Insurance Pickle.com 6 months ago

You already asked this 2 times

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Gary B 6 months ago

Yes.
While this is written in the policy statement you received, it is in the "small print" that most people don't take time to read.
Although it is not the AGENCY that does the cancelling. Agents cannot cancel policies. Only the COMPANY HEADQUARTERS can do that.
Actually, what it probably says is that they will not insure a vehicle that is "permanently located" at the address stated on the policy. Now, in most cases, when a vehicle is not located at the policy address, this is because it is a BUSINESS vehicle (like a service truck). But you purchased a PERSONAL insurance policy (which is cheaper than a business policy). So, ONE of the ways they differentiate between "business use" and "personal use" is the location of the vehicle.
Now, since YOU live at a different location that your husband,you unintentionally violate the "location of the vehicle" rules, and your coverage is cancelled.
Same goes for the house. Youa re basically insuring tehj ADRESS,. abnd if the hosue is not at the address named, it cannot be insured.
You two should check into insurance for a "second home". However, the insurance on the SECOND home is usually not as all-inclusive as the Primary Residence

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