Can I remove my ex-boyfriend from my insurance policy?

My ex-boyfriend is on my car insurance policy. I cosigned a loan with him for the vehicle, but we broke up. I don't want to keep paying insurance for his car. What can I do?

“If you no longer want to pay for your ex-boyfriend’s car insurance, you can remove him from your policy. Since you are the named insured on your policy, you have the power to remove any additional vehicles or people from a policy.
Although you cosigned for the loan, you aren’t responsible for purchasing or guaranteeing proper car insurance coverage on the vehicle, even if the lender requires a specific type of car insurance. The purpose of cosigning a loan is to be responsible for repaying the loan should the borrower not be able to.
However, you could face issues if the vehicle remains uninsured. If it’s uninsured and marked a total loss in an accident, you could be responsible for paying for the remaining loan balance. This is why it’s extremely important to co-sign a loan for someone you trust. If you’re concerned about legal obligation to the vehicle, you may want to consult a lawyer.
A lawyer can help with next steps should your ex-boyfriend not maintain insurance. You can also reach out to the lender directly to find out if there is a cosign release clause in the contract.
If you’re cordial with your ex, you may also suggest to him to check out Jerry to compare rates. By looking at rates online, he can find the proper coverage without breaking the bank.”
Emily Maracle
Answered on Sep 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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