http://www.thecarinsurance.net/auto-insurance-policy-excluded-driver-surcharge.html car insurance Wed, 18 Jan 2012 20:13:58 +0000 hourly 1 http://wordpress.org/?v=3.0 http://www.thecarinsurance.net/auto-insurance-policy-excluded-driver-surcharge.html/comment-page-1#comment-3513 William L Tue, 02 Mar 2010 05:32:43 +0000 http://www.thecarinsurance.net/auto-insurance-policy-excluded-driver-surcharge.html#comment-3513 If they don't produce the 'document,' and/or you don't recognize it or your signature, contest it with the insurance company. If it is part of the application, then you can decide whether you want to pursue the agent angle (advising the insurance company that the agent never told/showed/asked you about this and you were relying on his/her expertise). If they agree, they can always refund, especially if mom hasn't had any claims. Question: Why would they "surcharge" you for them not covering your mom? It only helps them to have one less "risk" in the house, so they shouldn't be able to charge you. An additional charge should include an additional "coverage," not the elimination of risk for the insurance company. If they don’t produce the ‘document,’ and/or you don’t recognize it or your signature, contest it with the insurance company. If it is part of the application, then you can decide whether you want to pursue the agent angle (advising the insurance company that the agent never told/showed/asked you about this and you were relying on his/her expertise). If they agree, they can always refund, especially if mom hasn’t had any claims. Question: Why would they “surcharge” you for them not covering your mom? It only helps them to have one less “risk” in the house, so they shouldn’t be able to charge you. An additional charge should include an additional “coverage,” not the elimination of risk for the insurance company.

]]> http://www.thecarinsurance.net/auto-insurance-policy-excluded-driver-surcharge.html/comment-page-1#comment-3512 Joey M Tue, 02 Mar 2010 05:27:11 +0000 http://www.thecarinsurance.net/auto-insurance-policy-excluded-driver-surcharge.html#comment-3512 I write insurance for Titan, and they have some weird rules on their policies. When I quote an auto policy with Titan, it will show me all the members of a household when I put the address in. You and your mother would be listed as licensed household members. On the application, it asks if there are any other licensed drivers in the household, and I'm guessing you said no. If you signed the application stating that no one else was to be covered on your policy, you excluded her. I write insurance for Titan, and they have some weird rules on their policies. When I quote an auto policy with Titan, it will show me all the members of a household when I put the address in. You and your mother would be listed as licensed household members. On the application, it asks if there are any other licensed drivers in the household, and I’m guessing you said no. If you signed the application stating that no one else was to be covered on your policy, you excluded her.

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