{"id":293,"date":"2018-02-07T10:16:10","date_gmt":"2018-02-07T10:16:10","guid":{"rendered":"http:\/\/www.allins.com\/blog\/?p=293"},"modified":"2018-10-18T14:49:49","modified_gmt":"2018-10-18T20:49:49","slug":"how-does-your-relationship-effect-your-insurance","status":"publish","type":"post","link":"https:\/\/www.allins.com\/blog\/how-does-your-relationship-effect-your-insurance\/","title":{"rendered":"How does your relationship effect your insurance?"},"content":{"rendered":"

How does your relationship effect your insurance?<\/span><\/strong><\/p>\n

Valentine\u2019s Day<\/span><\/strong> is quickly approaching and love is in the air! Love is wonderful, but there are some key steps to take when progressing through your relationship that are often\"Roses\" forgotten. Once these are forgotten they can add stress to the relationship later on. In order to prevent this from happening, we\u2019ve made a small guide for you. This should help with whatever step of the relationship you\u2019re going through and can assist with making big decisions on whether or not you\u2019re ready to move forward.<\/span><\/p>\n

When getting married:<\/span> Start with calling your insurance company about a month before the wedding. If you can, send them the declaration page for your significant other\u2019s policy. This way they can easily combine your policy with your soon-to-be spouse\u2019s policy. You\u2019ll want to make sure that all names (last name in particular) are appropriately adjusted. You will need to call your company to see when you can officially combine policies. Some carriers want everything together as soon as you\u2019re living together, and some want everything combined once you\u2019re married. To find an exact time, you\u2019ll want to call your company. <\/span><\/p>\n

When moving in together:<\/span> <\/span>Whether you\u2019re married or not, if you\u2019re living together then most companies will want you both on the same policy. Occasionally, it\u2019s as simple as providing a declarations page to each other\u2019s insurance company. Usually, you\u2019ll at least be added as a driver on your significant other\u2019s policy. You may want to get a quote for combining policies at that point. Often, it\u2019s cheaper to add another driver and vehicle (depending on the situation). If your significant other has a poor driving record, it could increase your insurance rates.<\/span><\/p>\n

\"Latte<\/span><\/p>\n

On the other end of the spectrum<\/span>,<\/span><\/strong> some people are feeling less love and going through the difficult process of splitting up. It\u2019s hard to go through that and we\u2019re trying to make that as pain-free as possible. We\u2019ve put together a couple tips for you to make sure that you don\u2019t miss an important step in this process. <\/span><\/p>\n

When moving out (no divorce):<\/span> Whether you\u2019re married or not, if you\u2019re living at separate addresses then you can get your own policy. As long as both parties are insured at all times then it\u2019s okay. You\u2019ll need to make sure that both parties are cooperating to get two separate policies started, then cancel the old, combined policy after the new ones have both been issued. Make sure all names, addresses, and vehicles are correct. If one of the parties moves into a place with other people, then you\u2019ll want to refer back to When Moving in Together and potentially combine policies with them. <\/span><\/p>\n

When getting divorced:<\/span> <\/span>A divorce is challenging. You\u2019ll be splitting everything up and it\u2019ll be exhausting. You\u2019ll want to call your insurance company and discuss what steps need to be taken. You can each get your own policies issued but you cannot remove your ex-wife or ex-husband from the policy. In order to remove someone from a policy, the insurance company would need to speak with them directly. <\/span><\/p>\n

We hope you never have to experience the negative ways that relationships can affect you but that\u2019s the risk you take. This is just a quick guide to make those times less stressful, and make the good times more enjoyable. As always, we appreciate your feedback and hope this is helpful!<\/span><\/p>\n

Happy Valentine\u2019s Day!<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

How does your relationship effect your insurance? Valentine\u2019s Day is quickly approaching and love is in the air! Love is wonderful, but there are some key steps to take when progressing through your relationship that are often forgotten. Once these are forgotten they can add stress to the relationship later on. In order to prevent […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":["post-293","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/posts\/293","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/comments?post=293"}],"version-history":[{"count":2,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/posts\/293\/revisions"}],"predecessor-version":[{"id":471,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/posts\/293\/revisions\/471"}],"wp:attachment":[{"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/media?parent=293"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/categories?post=293"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/tags?post=293"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}