It is unlikely that a car loan has death benefits stipulations included. The best option is to contact the insurer and the lender ask about the terms of the loan agreement and the insurance policy. Or simply read the original agreement made with the lender and your auto insurance policy.
Actually, it's not at all unusual for a car loan to have Credit Life and Disability attached. The lenders make a lot of money on these policies and I have never gotten a loan where this was not offered.
Yes. But get some help for this. A lawyer or knowledgable friend.
I would let your insurance company know. They can remove them from the policy. That might help lower your rates. Sorry for your lost.
Call the insurance company.
Yes: Your spouse/children can be included on your insurance policy regardless of who was/if there was a cosigner on the car.
progressive
Is car insurance still valid on a persons car if the insured person has died
You can find Classic Car Insurance at First National Car Insurance Group, Geico and of course you can find Classic Car Insurance from Haggerty Classic Car Insurance.
That's simple. Just tell your insurance agent that they will be driving the car. However, know this. Your spouse's driving record will directly affect your insurance premiums regardless of whether or not they will EVER be driving your car. Not fair but completely legal in Ontario.
No, Not legally unless it's your spouse.
spouse did not know name was on policy or that the other name was removed without knowledge
It depends on a couple things. Does the spouse have a valid drivers license? Does the spouse live in the same house? Does the spouse live in another country? These questions can help determine if your spouse needs to be added. Some insurance companies will not cover your car if it is in an accident and was being driven by your spouse, if that person was not listed as a driver. Insurance companies charge a premium based on the amount of risk. Everything is risk; the area you live, the car you drive, your age, your sex, how many miles per year you drive, etc. If another driver lives in your house and has access to your keys, the insurance company will want to rate for that person (charge more money). The alternative is not telling your insurance company and waiting until after an accident to find out you broke the contract (all policies are contracts), and that they will not pay to fix your car or represent you in legal trials. Is it worth it to save a few dollars and try to cheat the insurance company if it means you won't have car insurance when you actually need it?
Legally...no. But, for insurance purposes, yes.