Change in Drivers on your Policy?
Please Let Us Know!
Anyone who has a driver’s license and lives in your home or uses your vehicle on a regular basis, must be listed on your auto policy. If they live in the same house and never use your vehicle, they still must be listed on your auto policy.
Auto companies are within their legal rights to deny a claim (and they have) if an operator has not been listed on an auto policy – no matter how innocent the oversight was. Some recent situations that have caused claim denials include:
- A son lost his job and moved back into the parent’s home. He had his own vehicle, but took the last car parked in the driveway to the store…
- To help with the rent, a customer took in a roommate who borrowed the car…
- A new driver just got his license, and he was driving to school…
- A daughter came for an extended visit to help her parent recover from a broken hip, and she was driving to physical therapy…
So please, contact us right away with any change in drivers. We will have to know the person’s license number and, if the person has an auto policy of his/her own, the name of their insurance company and the policy number. If they have their own auto policy, they will be considered a deferred driver meaning their driving classification and record will be charged to their policy not yours. Call 800 945-1840.
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