Still All In The Family: Staying On The Same Auto Insurance Policy After Divorce

18 April 2016
 Categories: Insurance, Blog

If you are in the middle of a divorce, there are some things that will have to change. You will need to separate your living quarters, separate your belongings, and you will need to split family responsibilities as well. There are some things that you may want to keep the same after a divorce. One of those may be your car insurance. Here are some reasons why you may wish to stay on a joint auto policy after divorce. 

Split custody of growing children

If you and your ex-spouse have children together, they may soon be entering the age of driving permits and driver's licenses. When you have teenagers who will practice driving your car or borrow your car, they will need to be added to your auto insurance policy. Auto policies for teens are likely to be higher in cost than for drivers over the age of 25. If you and your spouse have children who will be driving shortly, having two adult drivers with good records on the policy with the children can help reduce the cost for both of you. 

Driving on family outings is no big deal

If you are on good terms with your ex, you may need to get together at times for the kids. Some divorced couples will still go on family outings together. This is a good reason to remain on the same auto policy. If you are going on a road trip out of town, you can both drive one another's cars without issue. This also works in the event of their car needing repair work and you borrowing the ex-spouse's vehicle to drive around the kids for a few days. Not having to worry about the legalities in an emergency or on a vacation makes family life less stressful, especially when it comes to getting along with an ex. 

Handling claims is easier

If your ex is in a serious auto accident and cannot handle a claim on their own, as an owner of the auto insurance policy, you can help correspond with the insurance company and provide them the necessary claim information. Being able to help the parent of your children with claims and handle the paperwork and speaking to the insurance company can help get things settled more easily. Being able to help one another with paperwork and insurance information can also make things less hectic for the family in a time when someone is healing or recuperating after a car accident. 

For more information about car insurance, visit a business like Cache Valley Insurance Inc.