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Car insurance must be addressed carefully in a divorce

When a Georgia couple decides to end their marriage, the financial details of the split will demand their attention. A car insurance policy with both spouses named as the insured requires a specific process for creating separate policies. A mistake could cause someone to drive unknowingly without coverage. Usually, a divorce must be completed before the two parties can establish individual policies, but an earlier split could be achieved if necessary. In either situation, the parties must follow specific rules to avoid disputes or interruptions in coverage.

Consent is absolutely necessary to take a named insured off of a policy. An angry spouse cannot simply tell an insurance company to remove someone. An insurance agent must obtain a signed approval from the person being removed. The estranged couple will also need to establish separate living arrangements. People who still share the same residence before a divorce is completed will still share liability. A new address for one party will be needed to separate car insurance.

The ownership of the vehicle matters to most insurers as well. Someone insuring a vehicle needs to hold the title. The divorce settlement will separate the titles on vehicles. The person coming off of a policy will need an individual title to a vehicle before purchasing a new policy.

While car insurance is not often at the forefront of the mind of a person going through a high asset divorce, it can be an important part of the property division process. A family law attorney can often negotiate an overall settlement agreement that includes this detail.

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