Car Insurance and Divorce

At CarInsurance.com we get a lot of questions from people asking how divorce can affect their auto insurance.

Here are the most frequently asked questions:

I am divorced and my son stays with his dad part-time. What is the law regarding adding him to my policy?
In general, most insurance companies want to know who resides in your household. From there most insurance companies will want you to either list that person as either 'eligible' to drive or 'excluded' from driving. If you want your son to be covered by your insurance policy you will need to inform your insurance company when he obtains his license (or permit) and most likely they will require you to place him as an eligible driver on the policy. More

The vehicle I'm driving is in my soon-to-be ex-wife's name. I recently totaled the car. Who will get the insurance check?
You will need to contact the claims adjuster with your insurance company to find out how the settlement check for your totaled vehicle will be written. Insurance companies differ on how checks are made out depending on such things as the title holder, the policyholder and if there is a lien holder on the vehicle. More

My son, who recently turned 16, alternates a week at his mother's house and a week my house. Both households are his "primary" residence. How does the insurance industry treat this situation?
You are correct that this is an increasingly common occurrence that a child splits their time between two household and parents; however there is not necessarily one acceptable remedy provided by the insurance industry of how insurance companies will handle this situation. More

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