How do you get coverage on vehicle that will loose coverage because owner is deceased?

UPDATED: Mar 25, 2019

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UPDATED: Mar 25, 2019Fact Checked

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Asked March 25, 2019

1 Answer


If you are going to be driving a car after the owner is deceased, then you must understand your legal obligation for insurance requirements. Most insurance policies have a clause that allows for an insured’s spouse to take over the insurance policy until the policy is renewed. When the policy is renewed the spouse is required to obtain a new policy in his/her name. If the deceased party is not married, the person legally responsible for the deceased’s property will be covered under the current insurance policy if they are only driving the car for official business that relates to the car. They will not be covered if they are driving for any personal reason. The legally responsible person will have a limited time to take care of the car until the insurance coverage will no longer be extended to them. It is important to contact the insurance company for specific details relating to the specific policy.

The person who will be ultimately driving the vehicle will need to have the title of the car transferred into their own name and add the car to their own insurance policy. This is the case with spouses, a gift, inheritance, or when purchasing the car from the legally responsible person. Car insurance can be complicated but understanding your policy will help to keep you out of trouble if an accident occurs. Always err on the side of caution and contact the insurance company for clarity on the policy in question.

Answered March 26, 2019 by fl_pc

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