by Guest » Tue Oct 29, 2013 10:03 am
Just two months ago, I bought an auto insurance online since I would be using my dad’s car for college. I was never included in his insurance policy simply because we never felt it necessary and I never use his car before. I have the license since I was 16 year-old, but now, after working with Statefarm for these two months, they have sent me an email saying that they are not convinced with the declaration papers just because my name does not figure out there. What is apparent here is that they want to hike the premium I am paying or cancel my coverage altogether. Is it legal to do so, as they never informed me about anything of this sort when I was buying the insurance from them in the first place?
Posted: Tue Oct 29, 2013 02:24 pm Post Subject:
There is nothing "illegal" going on. You applied for insurance online, and they have no idea who you are or if you really are who you say you are at that moment. They provide you with coverage on the condition that you meet their underwriting requirements, and now they have a question about that.
they are not convinced with the declaration papers just because my name does not figure out there
I have no idea what you asking about with this statement. Apparently, there must be a question of insurable interest -- they don't see the connection between you and the vehicle. And the rule of insurance is that there must be insurable interest before a policy can be issued.My guess is that your father is the owner of the vehicle and you're trying to include coverage for collision, and they don't recognize you as having that insurable interest..
Why are you not being added as an additional driver on your father's policy? That would be the most logical thing to do if the vehicle is owned by your father.
Pick up the phone and call the insurance company and figure out what additional information they need. If that doesn't work, then find a local insurance agent/broker and get your insurance from another company.
In the meantime, you should AVOID DRIVING THE VEHICLE because you might not be covered. Until you know for certain that coverage is in effect, leave the vehicle parked where it is. Otherwise we could be discussing the following question:
"I applied for insurance online and thought I was covered. I had an accident the other day, When I called the insurance company, they said I wasn't covered. Is that legal?"
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