Can an Auto Insurance company re-write your contract without your permission?
Dustin A asked:
Our Auto insurance re-wrote our contract by adding our son to the policy without our permission and began charging us around $400 a month! Is this legal for them to do to us? How do we go about taking care of this problem?
Our son however has his OWN VEHICLE and AUTO INSURANCE. He currently does not live at our address either. Has his own job and he is 21 so how can they add him when he is not living here or driving our vehicle?
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Our Auto insurance re-wrote our contract by adding our son to the policy without our permission and began charging us around $400 a month! Is this legal for them to do to us? How do we go about taking care of this problem?
Our son however has his OWN VEHICLE and AUTO INSURANCE. He currently does not live at our address either. Has his own job and he is 21 so how can they add him when he is not living here or driving our vehicle?
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knowitall
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Take him off and never let him drive your car.
MSAD
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If your son has a drivers license and lives in your household, yes, they will add him to your policy.
If you would like to remove your son from the policy, you will need to show that he has coverage elsewhere or that he does not have a drivers license.
liz
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The only way they were able to add your son was if your son called impersonating you and added himself other then that NO they cannot add him with out your permission allot of the times the “agent” that sales the insurance works on commission and will add people with out permission to make their monthly number in sales. That’s where I would start to investigate how this happened,then called the corporate offices of your insurance company and explain what they did with out your knowledge good luck.
mbrcatz
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Yes. Your policy allows them to charge for all licensed household members. If you don’t want your son to be covered, you will have to sign an “operator exclusion” form for him, saying, no way, no how, will you guys ask the insurance to pay for any claim involving your son driving one of your cars.
If he totals your car, it’s your problem – along with the damage to all the other cars.
See, you can’t sneak coverage in for kids, by not listing them! He’s DRIVING your cars, and everyone KNOWS it. If he WASN’T driving, he wouldn’t have a license!!
You take care of this, by signing the operator exclusion form. Then, you don’t let him drive, or you could be writing a check for $100,000 for all the damages and injuries he causes.
**sorry Mr. Fraud Investigator, I’ve seen it ALL THE TIME. The insurance companies pull reports from the DMV, that show the names of all the licensed people at a particular address – that’s how they find out that your kid got a license. And then, they DO add them. See, the EXPOSURE is there, so they can charge for it. So now, it’s up to the parents to flat out lie, and say the kid isn’t driving – which is insurance fraud, and lets the company deny any claims for material misrepresentation, when the kid DOES drive.**
**Give them a copy of his policy, and have him change his address at the DMV. He hasn’t changed his address with the DMV, so legally, he lives with you. If he’s a full time college student, and legally resides at your address, then he lives with you.**
TotalRecipeHound
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There is a reason that they believe that he is a member of the household. You need to contact your agent or the insurance company and tell them that an error has been made and you need this fixed immediately. He is not a member of your household. If you can, call your son for the policy number of his current insurance.
My GUESS is that your son did not change his driver’s license to reflect the new address.
Chandu
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I think from next time you should go for AutoInsureUSA
they wont change our contract once its done and moreover we can add our siblings and children to the policy whenever we want to
I think it is illegal for them to change the contract without prior notice unless its mentioned in the contract
Check out their website
car253
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I bet that he was involved in an accident and was driving your car so now the insurance company thinks he lives with you.
Yes, they can add him as a member of the household if they think he lives with you. Either ask for a driver exclusion form to exclude him from driving your cars or tell the insurance company or agent that he does not live with you and give them some proof and they will remove him as a driver and stop charing for him. For $400 a month he just have a really bad driving record.
lucy
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when you complete an application, it usually lists all family members living in your household.
some are specific and ask for any children age 14 or 15 to be listed.
the reason is that they set up “alerts” when the child becomes age 16 and could be licensed to drive.
some may automatically add that child upon reaching the age of 16 since if they get licensed, will be driving your car. it could have been that as the others stated they ran his license and found that he has shown your address as his primary address.
the cost to add a teenager could run into the thousands more on your policy premium due to the high rate that teenagers drive stupid and most will have at least 1 accident before reaching the age of 18 or have many tickets for speeding etc.
many parents choose not to add when they realize the huge costs and hope nothing happens. then they find out when the child is charged at fault for an accident and the insurance company denies the claim since he was never listed on the policy.
like the others stated, most likely he has not changed his drivers license address or even at college, would still be considered a resident of your household.
contact your insurer and show proof of his residency, vehicle ownership and policy with the other company.
good luck