Your husband is playing fast and loose with the rules. If he is in an accident in BC, lives in BC but has an Alberta driver's license and Alberta insurance, he could be charged with offences for such and yes, the insurance company could deny coverage.
Yes, if the accident was his fault, the innocent driver could find no insurance company to cover the loss unless they have uninsured driver insurance. If not, their remedy would be to sue the REGISTERED owners of the other vehicle.
It sounds as though you are not a registered owner. Is you are let me know. Otherwise, the other party cannot sue you just because you are married to him. Marriage does not make one person responsible for the conduct of another. Just like debts of any other nature, you are not responsible for what he owes unless it is a family debt.
On your facts, you have no liability for his improper actions.
Please let me know if you need more information. Otherwise, please consider rating my answer well.
with respect to being a registered owner, he is the only person listed on the registration papers for the vehicle so I assume that means that he is the only registered owner.
Thanks for your response.
One other thought - we have joint assets since we are not divorced yet. We have a house in Alberta and we are still on title as joint tenants so this is a joint asset. If he were sued I am concerned that I could lose my half of this asset since it is still in both of our names.
If he were sued, would it be likely that I could lose my part of the house/property asset value if the victim was awarded damages that exceeded the value of my husbands assets?
Thanks for your response about the assets and your advice about filing for divorce. I live in Calgary and have retained a family law lawyer here in Calgary, which is why I was seeking advice about the vehicle insurance from someone in BC since my lawyer was not sure about the insurance issue for BC.
I have filed the statement of claim for the division of the matrimonial assets in Alberta since our assets are here. Regarding filing for divorce I have told my husband that will be his responsibility. I am Catholic and made a commitment to him for life when I married him 33 years ago. I do not believe in divorce so I will not be the plaintiff in the divorce action. It's been rather difficult as I found out after he left that he had cheated on me for a year before he announced his new life to me. I was about to move to Vancouver to join him and he denied, and continues to deny, that he is in a relationship.
I appreciate the advice that you have provided - thank you.