People often ask do car insurance companies ask for proof of marriage. Numerous employers include health insurance (including coverage for dependents) in their benefits packages. Because these benefits are high quality, some employees seek coverage for uninsured dependents, such as previous spouses, family members, or domestic partners.
Employers are increasingly requesting employees to provide proof of legal marriage and eligibility for unemployment insurance. Numerous insurance providers require that both spouses who reside in the same household be mentioned on the automobile insurance policy (unless the state allows the spouse to be excluded).
The insurer will typically inquire about your marital status when applying for insurance. This is one of several components that go into cost calculation.
If you marry while maintaining third-party motor insurance, you must notify your insurer even if you haven’t changed your name. Additionally, it would be best to establish your marital status (typically). You may enclose a duplicate of your marriage certificate.
You will be required to pay a minor administrative fee if you wish to modify your spousal status (which you usually have to pay every time you change your car insurance).
As a result, it is recommended that you change your name concurrently. Thus, you will only be responsible for the administration cost. If you divorce, your insurer may need you to submit supporting documentation. It is sufficient to have a copy of the official documentation.
In the case of an accident, you and your spouse will get coverage.
Suppose you and your spouse have a clean driving record. In that case, you can save money by purchasing car insurance jointly, resulting in lower premiums and discounts on various vehicles (if the insurer offers this option).
Why am I Required to Disclose my Marriage to my Insurer?
Although insurance coverage differs, married couples are often required to ensure one another.
What justifies this behavior?
Both partners must use the car equally. This indicates that the husband can drive his wife’s vehicle, that the husband has equal access to his wife’s car, and that they may drive each other’s vehicle at any time.
You are covered only if the primary driver of the car is listed.
When a married couple shares a vehicle, the insurance provider will classify the husband and wife as primary drivers.
If your spouse drives your car but doesn’t appear as a driver on your insurance, the insurer cannot refuse to pay compensation in the event of an accident; when someone uses and drives your car daily, the danger of an accident increases.
As you can think, a more significant accident risk entails more considerable risk for the auto insurance provider, as well as a greater likelihood of being required to pay compensation.
If you have an accident and your spouse has no insurance, the insurer has the authority to withhold payments.
How Marriage Affects the Cost of Automobile Insurance
The good news is that marriage typically results in a reduction in the cost of automobile insurance. This is because insurers believe married people provide a lower risk than unmarried people.
This is not as archaic as it appears to be. Married drivers have a lower rate of insurance claims, according to statistics.
This is true for males as well as women. It makes no difference whether a man or a woman is your spouse. Insurance companies cannot adjust your premiums, taking into account your sexual orientation.
If you proceed with that decision, your policy may have a “divorce” clause. Divorced drivers typically pay higher insurance premiums than married or single drivers.
Does my Insurance Company Require Documentation?
After learning why it is critical to include your husband on a marriage policy, you may be curious about what information the insurance company requires.
To verify your marital status, the insurance provider may request to examine both your and your spouse’s social security cards, as well as to change your name if necessary. Additionally, your insurance company may request a copy of your legal marriage certificate to verify your marital status.
You must notarize the marriage certificate and include all the information they need from you, such as the date of the marriage and witness signatures.
Depending on the policyholder, the company will determine whether or not to request these procedures. Others do not. In any case, you should bring these documents with you when you apply.
Married Couples’ Joint Insurance
Spouses do not have “joint insurance” in the strictest sense of the term. There are, however, insurance regulations for multiple automobiles.
Insurance is available for multiple automobiles you register at the same residence.
Multi-vehicle insurance is advantageous if your family owns more than one car. Additionally, it eliminates administrative expenditures associated with maintaining several renewal dates.
Depending on the insurer, you may have to pay an administration charge if you switch from single to multi-vehicle insurance.
There may be an administration fee if changing from individual to multi-vehicle insurance. If you change insurers and cancel your current policy, they will charge you a cancellation fee.
Is Separate Insurance Required?
While it is prudent (and frequently required) to include your spouse on your automobile insurance policy, it may be prudent to purchase separate coverage. Why? Because there are circumstances in which a single insurance policy is the best option.
For instance, if your spouse owns a more expensive vehicle than you, it may be prudent to purchase separate coverage. If your spouse has an older car or if you drive more frequently than he does, it may be prudent to obtain a different policy.
If you have questions concerning the insurance coverage for your spouse, contact your insurance agent. A reputable agent will provide you with the necessary knowledge to make the best financial decisions for you and your new spouse.
Frequently Asked Questions
How can my spouse and I obtain auto insurance?
If your spouse drives your vehicle and causes damage, they protect your car if your car also has third-party insurance.
Likewise, if you drive your spouse’s automobile and do damage to it, you face the same penalty. Your automobile insurance policy may require you to pay an excess.
If your spouse drives your car and collides with another vehicle, you must carry third-party liability insurance if your spouse is at fault.
Liability insurance protects you against damage to other vehicles and neighboring property (mailboxes, lampposts, etc.), as well as third persons, up to the policy’s limitations.
In most countries, liability insurance is a legal necessity for all drivers, regardless of the sort of vehicle they drive.
The same holds if you collide with another vehicle while driving your wife’s car.
Who should the policy’s primary beneficiary be?
Whoever appears first on the policy makes no difference. If your spouse is driving, the cost changes by their driver’s license.
Progressives, on the other hand, do recognize civil unions?
Civil unions exist in some countries, and vehicle insurance for civil unions is identical to that for married couples.
Can a married couple contract separate automobile insurance policies?
If you already have a marriage and living with your spouse, many insurance companies demand that you maintain the same level of coverage as your spouse.
If you have a spouse and live in separate residences, it is acceptable and essential to have different auto insurance policies, as your vehicles will be in distinct locations.
Additionally, this regulation applies to couples who are not living together. If they reside in separate houses, they will require two policies since their vehicles will be located in different areas.
Is it possible to exclude my husband from my automobile insurance policy?
This is a country-specific issue. In most countries, you can exclude your spouse from your automobile insurance, however in certain countries, you can exclude your spouse only for specific circumstances, such as if you lack a driver’s license or already have insurance.
In other nations, you cannot exclude family members. So, your spouse gets the insurance automatically.
How does sharing benefit you?
Profit from additional savings, your spouse’s clean driving record, the option to share a vehicle, and simple multi-car discounts and rebates.
What if I decide after the wedding to sell my car?
If you only drive one vehicle, you may need to pay a charge to cancel your other vehicle’s insurance.
There are numerous methods for canceling an insurance policy, depending on the term of the coverage.
Whatever the reason, married couples tend to pay cheaper insurance premiums than single people because statistically, they are less likely to have accidents.
Therefore, if you add your spouse to your coverage and opt for a separate policy, you will pay less than if you both had respective policies. The insurance company will review your dependents and exclude any who do not meet the criteria.
You must receive a letter with a specific date and establish your relationship. If you do not submit the documentation they ask for the deadline; your dependency insurance coverage will be over.
According to CNN Money, identifying dependents can save insurers 4-6 percent on annual costs. While married couples often pay lower vehicle insurance premiums, adding a spouse to the coverage can result in a price hike.
For example, your premiums may be raised if your spouse had an accident because of a drunk driver or got a traffic infraction but is still getting coverage under your policy.
Nicholas J. Banks has been an expert in the Insurance industry for over 10 years. He is well-versed in all aspects of insurance, and he has worked on Allstate Ins Group since 2006.
He attended the University of Pennsylvania with an undergraduate degree in Business Administration, followed by a Master’s degree from the University of Southern California to further his career in Insurance Management.
His experience working with many different companies has helped him develop valuable insight into how to succeed in this exciting field, which he now shares through our blog “Pro Insurance Info.”