by ejack » Thu Dec 10, 2009 02:11 am
I used to have an alaska dl and it eventually expired. i got a texas one at that time. i didn't update with progressive. since then i received a dwi on my texas license. they do not require sr22. it has been 2 years since then. when my policy renews it always shows clean and listed as ak still. i am 2nd on this policy also meaning that i share this with my sister. 2 cars each insured on eachothers car. i have been getting calls from progressive to update license info. what should i do? or which is the cheaper solution. aparantly progressive go back 3 years. but also can surcharge for not being able to obtain driving history. i blew .08 if that matters. please help. thanks in advance.
Posted: Thu Dec 10, 2009 02:30 am Post Subject:
I don't quite understand your question.
Posted: Thu Dec 10, 2009 03:02 am Post Subject:
The likely reason that Progressive is trying to contact you to update your driver's license status is probably because when they recently ran your AK motor vehicle record, the report came back as "clean history/expired license."
The insurance company has every right to have the current, correct information in their records for any number of purposes, not the least of which is to determine the proper premium. As well, your policy requires you to notify the insurer of any material changes to where the car is parked and garaged, driver and vehicle changes, etc.
What your Blood Alcohol Content (BAC) was when you got popped for the DUI is immaterial. DUI is DUI, except in some states they have an "aggravated DUI" charge when your BAC hits egregious levels. That's truly ugly.
If Progressive is requesting your current driver's license info, you have to give it to them. Omitting or concealing material information is absolutely grounds for denial of a claim or cancellation of the policy if the information is, again, material to the risk. In some states it's considered a fraudulent and criminal act. Your situation is definitely material to the risk insured, and your failure to provide the info could easily cause you a massive problem in the future.
The fact that your DUI is 2 years old won't kill you on your rates. Don't volunteer the info on the DUI unless asked about any activity on your MVR. Let them run your license- let them find out instead of you informing them. If they ask you about your record, don't lie- that'll come back to haunt you in the future most likely.
It's surprising that you don't have to file an SR-22 unless you have already completed that portion of the fines/penalty phase of the ticket. Did you go through any diversion program or something like that? Did you ever have to file an SR-22 at any point in time?
Let us know, and we'll get you some info.
InsTeacher 8)
Posted: Thu Dec 10, 2009 06:37 am Post Subject: thanks
I did not have to get sr22 at any point. I have informed them of my current address as I was living in texas when I was added to the policy. I have since filed a claim with no issues. I did not complete any diversion program. My DL expired April 07 and this is when I got a Texas one. I got the DWI in June or July 07. That is a reason I have not updated this information. I am wondering if I should wait untill 3 years has passed since the conviction or tell them now.
Posted: Thu Dec 10, 2009 12:43 pm Post Subject:
Now I understand. If you neglect to inform them of the conviction and they find out, you stand a chance of being charged with a crime.
Posted: Thu Dec 10, 2009 01:41 pm Post Subject:
right. I have not commited any crime.
Posted: Thu Dec 10, 2009 02:42 pm Post Subject:
I wasn't saying that you had. You said the reason that you had not updated the information was because of the conviction.
I got the DWI in June or July 07. That is a reason I have not updated this information.
So if you fail to report it to them when renewing (even waiting until later), and they find out-you could be charged with a crime
Posted: Thu Dec 10, 2009 05:38 pm Post Subject: dui
(My '2 cents'..) I understand you didn't have the DUI, on your record, when you applied for insurance. However....you DID know it was in the 'process of'....ya know? I'm not putting you down for anything, please don't think that. I'm just saying because you 'withheld' information like that, it is possible you would have to pay a very high premium or get denied for insurance, all together.
Posted: Thu Dec 10, 2009 05:41 pm Post Subject:
Now I understand. If you neglect to inform them of the conviction and they find out, you stand a chance of being charged with a crime.
While concealment and omission of a material fact can easily cause problems with the insurer, I don't see any prosecutable crime being committed here. There's a potential for fraud, but again, not likely at all. It's a simply matter of the insurer being legally entitled to the correct, current information on their client. Failure to provide this information could easily create a nightmare for the insured at the insurer level, however the carrier is not going to proffer criminal charges here. Never seen it for something like this. I've definitely seen it for other things, but never on something like this.
InsTeacher 8)
Posted: Thu Dec 10, 2009 05:59 pm Post Subject:
There's a potential for fraud
If there is potential for fraud then there also maybe potential for a crime.
Failure to provide this information could easily create a nightmare for the insured at the insurer level, however the carrier is not going to proffer criminal charges here.
True.
Posted: Thu Dec 10, 2009 06:05 pm Post Subject: insurance
I've never known any insurance company that has pressed any kind of charges, if information (like the DUI..) wasn't reveiled. However...HAVE insurance comapnies done this in the past, that you know of, TRENCH??
Add your comment