Making any type of changes to your car insurance coverage is something that needs to be planned for. If you need to drop a driver from your car insurance, you will generally be able to accomplish this easily, as long as you contact the insurance provider by phone, email, or mail. Depending on your insurance company, they may be able to remove a driver from your insurance from within one day to one week. However, it may be more complicated and will depend in part on who you are removing from your insurance policy.
If you are removing a person from your insurance policy such as your child or a minor who lists you as their legal guardian, you may need to explain the reason that you are requesting their removal from your policy. If the removal is due to the person obtaining their own insurance policy, then it is a simple matter to have them removed from your policy. The insurance company may want to be sure that the person is properly covered, so you may be asked to mail or fax proof of coverage to them. Depending on when you submit your request and how long it takes for verification of other insurance coverage, it can take anywhere from a day to a week to have the child removed from your car insurance policy.
If you are removing a spouse from your insurance, you will need to contact your insurance company and request their removal from your policy. If you are still legally married to the person whose removal you are requesting, the insurance company will want to make sure that the other party is aware of their removal, and also that they have alternative insurance. If you are removing an ex-spouse from your insurance, your insurance company may want to get confirmation that you are divorced, and that the vehicle insured is legally yours. If a couple is currently in litigation, it may prove rather difficult to get either spouse removed from a joint auto insurance policy until divorce proceedings have been completed. It is best to contact your car insurance company and explain exactly why it is that you want the other party removed. In addition, it is wise to tell them what arrangements the other party has made for car insurance coverage, assuming you have knowledge as to what they are.
Dropping a driver from your car insurance coverage is usually a reasonably simple task, but it is important to be prepared with any information your insurance provider may need to accomplish this, such as proof of alternative insurance coverage.
