When I finally realized how bad things had gotten, I went to my agent and said I have learned of drinking problems and asked my options. I was with State Farm. The most important thing I learned from them was that I had an obligation to make them aware of an insured party that exposed them to higher unknown risk. Otherwise I could be held liable for negligence.
They were VERY helpful in making sure I got her off my policy and yet did not leave he uninsured without notice. They offered her a replacement policy that was entirely her own. With rates she couldn't afford so that she would go elsewhere to insure. That solved the problem for them and for me and that was all I cared about. She had no DUIs (miracle) and no alcohol related driving events so in theory the next company would not rate her as high risk.
Whatever, just get her off mine.