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Another thing to think about in divorce: the car insurance

Although many states differ in insurance requirements, insurance policies require current, correct information regarding the policy holder and marital status. That includes the insurer being notified of a divorce or legal separation.

It is up to an insurance policy holder to notify the insurance carrier of any changes in marital status when both names appear on an auto policy as insured drivers. Most states, including Florida, allow 30 days for notification of a change in marital status without added fees or policy cancellation.

Most insurance companies offer discounts on multiple driver policies for married couples, so the policy holder may see a slight increase in rates once the spouse's name has been removed from the policy. Policies generally cover only one household, making it impossible for ex-spouses to remain on the same vehicle insurance policy and when vehicles are kept in different locations.

It is important to make the changes, since the policy could be canceled or any claims denied if the changes go unreported to the insurance company. However, one of the most important things to remember is that without making the necessary changes, you could be held liable for how your ex-spouse drives, whether it involves an accident or speeding tickets. Also, if your ex-spouse cancels the insurance on a vehicle that is still in your name or has a lien against it, you could be held responsible.

Source: Fox Business, "Divorcing? Break the news to your car insurer, too," Penny Gusner, April 3, 2012

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