My wife and I are divorcing. I expect to provide spousal support, but am I also required by law to pay for her car insurance?

Answered by Home Insurance, Car Insurance Expert Shannon on February 22, 2021

Am I legally required to pay for my ex-wife's car insurance as part of our divorce settlement? I'm hoping it's enough that I'll be providing general spousal support.

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Shannon

Home Insurance, Car Insurance Expert

This type of question is best left to your and your wife’s divorce attorneys, but generally speaking, you’ll be required to follow whatever stipulations the judge mandates.

There are a few essential things to consider, which you may want to discuss with your lawyer and your wife, if possible. If you’re in charge of making the direct payments for her policy, she may not be made aware if you’re late on payments, or if you forget to pay for the policy and it cancels altogether. Any lapse in coverage, especially one that’s unknown, could have serious consequences for everyone involved. She could be hit with tickets, fines, and a license suspension if caught driving without insurance. The policy would cost a lot more when being reinstated, which means you’d end up paying more for it.

On the other hand, even if you’re the one paying for the policy, you have no control over who drives the car, how or where it’s being used, or the limits of coverage on the policy. All of these things could cost you a lot of money down the line. If possible, it’s best for each party to be in charge of their own policy. But again, we’re experts in insurance, not divorce law. Please consult your attorney for advice on this matter.


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