When I was getting divorced I was told that the only thing I was not allowed to do was kick him off of my insurance until after the divorce was final. But day to day expenses, unless she was a stay at home mom and relied solely on you for years and years, I can't imagine you are required to pay for anything that is not court ordered.
As for how to handle insurance, it depends what it is for. If health insurance, yes, you probably can't change the
status quo until the final decree. If auto insurance, then each spouse should pay for the vehicles each uses. It was explained to me this way: Vehicle insurance companies typically have policies stating you have to declare where the vehicle is 'garaged'. The policy typically covers only one address. So if you are separated and your stbEx lives elsewhere, then you probably can split the other vehicle off. What I did was, once it was evident there was no reconciliation possible and divorce was well under way, I called the vehicle insurance company and told them she lived elsewhere, with which auto(s) and how to contact her. The company sent her a notice to get her own policy and gave her time to comply after which she would be dropped from my policy. I didn't have to say a thing to her I just informed the company and let them follow their standard procedures.
