If all your cars are on one insurance policy and your car's insurance is cancelled because your spouse figures you will get your own, you are without insurance until you do get your own.
Suppose you are the beneficiary of your spouse's life insurance and it is cancelled. Two things may happen: (1) Your spouse may die before the divorce is final and there are no proceeds or (2) The court orders your spouse to carry insurance to cover alimony (see above paragraph) and now the spouse is older and to get new insurance will be much more costly.
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