Divorce Affects Your Insurance Coverage
Covering any insurance gaps after divorce are often items on the to-do list
, completely forgotten about. The truth is life changes often, and sometimes divorce will change your insurance arrangements as well. Here are tips to help you check-in quickly with an agent, and get through your divorce without major insurance hassles.
There are the things that you can and the things you can't control with your divorce. However, one thing you can look after is your insurance coverage (hopefully that contributes a bit more peace of mind). You may hesitate to talk to your agent of matters that sound as personal as divorce, but to be honest right now he can help. Furthermore, he will find out sooner or later when you cancel the policy anyways. You want experts to advise you one what to do for matters you are unsure about.
There are a couple things you need to tidy up before the actual divorce papers get filed, relating to insurance. People are legally married yet they live apart. Of course, this can be complicated if you have property ownership disputes with your ex-spouse. However, there are ways to ensure you are both covered. Please talk to an agent or professional, since the law changes and information can be outdated quickly. As a further disclaimer, everyone has a different situation as well and different legal operating areas.
Sometimes the insurance company will request that you remove your name from the homeowners insurance if you are the spouse moving out. However, you should be prudent in all of this and speak with an attorney before making decisions of this sort. Again, we are not providing legal advice, but we're advising you should seek it in these situations. There are other things to consider as well, such as the well being of your children. For example, what if your ex-spouse decides not to pay the insurance premiums on your house? There will be blame game instigated, which will prolong conflict. It is best not to give people an excuse to take advantage of you.
Sometimes people wrongly assume that they're still listed on their old insurance policies. You should definitely check to see that your coverage still exists for liability and property matters. The last thing you need is for more problems to appear because of careless insurance mistakes. Through your divorce, if you keep your insurance, you will have a life line of help. For example, if you've never thought about disability insurance, you might want to think about that now. Simply put, someone still has to pay the bills for the kids, especially now that there's only one parent.
As for other matters, like paying for the kid's insurance, you can probably leave that to the settlement. Again, everywhere the situation is different so there is no one answer that can be found on the internet. Trust yourself that you can get through the challenges and make a new start for yourself.
by: Casey Trillbar
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