What Happens To Car Insurance When Someone Dies?

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   Jim Winkler

   CEO/Owner, Winkler Financial Group, Houston, Texas

   That is a great question! A lot of the answer can be found in a section of your policy called the "statement of benefits". That is where your policy will spell out the specifics of who, if anyone can drive the car, and for how long. Generally if it is a spouse, and both are named on the policy, then the deceased spouse is removed, and the policy carries on with the surviving spouse. If there is an executor of the estate, and the deceased was the one insured, the policy may allow the executor limited use of the vehicle for a short time until the estate is settled. If there is no executor, and no one else was named as permitted to drive the vehicle, it ends with the deceased. Thanks for asking!

   Answered on May 10, 2014

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