According to the information we have, yes you need to be legally separated from your spouse to list your marital status as separated on your car insurance application.
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The general definition of a legal separation is when a court decides how property and possession are divided and makes decisions about child custody, child support, and alimony.
While you do not have to enter into a separation agreement to be legally separated in North Carolina, many people do choose to have one prepared. A separation agreement is a written, notarized agreement governing each party's rights and responsibilities associated with the end of the marriage.
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