If I have a combined auto insurance policy with my my spouse, does the claim history follow both of us?

If I have a combined auto insurance policy with my my spouse, does the claim history follow both of us?

I have an auto insurance policy with my spouse. He was in an accident and filed a claim. He is not planning to buy another car and is going to use public transport. If I drop him from my policy, will my rates still go up because of his claim even though I was not involved in the accident? If I go with a different insurance company only for myself, will they also quote higher rates because of the claim?

dicktracy

since you are married you are like one in cali ( I dont know where you are) but if you are in cali his rates would effect you because you are married to him. Alot of insurance companys go by the registration so if he is on there he would pose a problem but if not you could get away with it. let the agent you are working with know. they cant help you if they dont know whats going on. If they dont help move on. You would be suprised on what companys work with you.

allni

If you both are on the policy then the rates will be higher, not substantially but they have to factor the total history for both parties. If you drop him from your policy then your rates will go down as they look at policies on an individual level. If you go to a different insurance company they are somewhat blind to the specifics of a policy and his claim will negatively influence the rates. Good luck!Source(s):http://teen-autoinsurance.blogspot.com/

pickmefi

the claim follows the person not the policy you should be ok however if you live with your husband the law might require him to be on your policy as a second driver on your carSource(s):p

anon

Liability insurance covers only the last point, while comprehensive insurance covers all three. Even comprehensive insurance, however, doesn't fully cover the risk associated with purchasing a new car. Due to the sharp decline in value immediately following purchase, there is generally a period in which the remaining car payments exceed the compensation the insurer will pay for a "totaled" (destroyed, or written-off) vehicle. So-called GAP insurance was established in the early 1980's to provide protection to consumers based upon purchasing and market trends. The escalating price of cars, extended term auto loans, and the increasing popularity of leasing gave birth to GAP protection. GAP waivers provide protection for consumers when a "gap" exists between the actual value of their vehicle and the amount of money owed to the bank or leasing company. In some countries including New Zealand and Australia market structures mean that people are more likely to purchase a nearly new car than a new car so this is less of a problem.Source(s):auto.easyinsurance.info

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