Expert: Anne - 6/24/2008

Question
my wife backed into my truck.her car is fully coverd with her policy however the car is legally mine.my truck is a salvage vehichle with minimum legal insurance.farmers says we are not coverd.this happend in our driveway.also we are currently going through a divorce and our finces are legally separated

Answer
Boy Mike,

There is  a strong possibility that you guys are not covered,  simply because of the divorce. Is the divorcer final? This can make a difference because in order to have coverage, she has to have an insurable interest on the car (owe some interest on it). If the divorce is final and this is your car, she has no interest at all on it. The insurance company can look on the other direction.

Now, your wife is a name insured and is paying insurance on the vehicle. On that theory you can get them to pay because you can sue your wife (ex-wife) for the damages. Sounds to me like you need a lawyer. They can get the matter covered.

There is simply not enough data here to really be able to steer you on any direction.  You need to be able to read the policy.  

Good Luck
Anne
http://www.SpokaneLegalHelp.com