How did my boyfriends name appear on my car ins policy when he only has a non drivers ID?

i recently was sent a letter that my boyfriend is a licensed driver & that i should send in proof or he will be insured. i went directly to my agent with my boyfriend & they made up a copy of his non driver ID. my boyfiend does live with me but doesn't know how to drive.. i also asked why my boyfriend has to do with my policy& they sayed that it was a home survey.. i also had to mail in a copy of my utility bill that my car is being garaged at my home address. i also had to call my agent for phone interview. they wanted to know my whole life history.. this is the very 1st time i was ever sent anything like this from an auto ins..i have my license for 23 yrs.& i never ran into an issue as this. does the car ins have any right do this.?. what can i do about this?.. plz help... people tell me that is not right &that they never had that problem thrown at them.

boxersgirlbunny

When you filled out your initial application and they asked who resides in your home, you more than likely said he lived there and they are "protecting themselves" by putting him on the policy. Should he ever drive the car, they are covered. Insurance agents carry a policy on themselves called "Errors and Omissions"(E&O for short)(it's kinda like malpractice that doctors have to purchase, or at, shoud purchase) and their premium on this coverage is costly, so they make sure their butt is covered.

J.R.

I think you need to go into your agent's office and calmly discuss this with him. If your BF is not a licensed driver, he cannot be added to the policy.

Do they have the right to do it? Likely, yes. Do you have the right to buy your insurance somewhere else? Absolutely.

dixielandsh

I had the same thing happen when my teens reached driving age and found it very frustrating and rather an invasion of my privacy. The fact was, my teen did not even have a license or ID, but I had to either exclude her specifically from my policy or pay for her as an insured driver. Absolutely ridiculous!

Their excuse for this is that anyone of drivable age within the household has the opportunity to pick up my keys and leave the house with my car and must therefore; be insured.

Lame if you ask me, but that was their answer.

M.C. Screwdriver

he put it there

buttrfly52

Since your boyfriend is not licensed and is not married to you, then he doesn't need to be on the policy UNLESS he got a ticket or an accident in your vehicle. I don't understand why they would require a utility bill or how it would prove that you park your car there. A phone interview with your agent? I guess it depends on what he was asking you. He may be trying to save you money, but it depends on how personal he is getting. I think it might be time for you to consider a new company

M K

It's very simple. Any licensed driver in a household must be on the policy because the insurance companies consider that it is very likely your car will be driven by such a person (even if you swear that you never let them drive.)
BUT in your case the other person doesn't have a license and you will have to prove it. You see, a copy of his non-driver ID is not a proof, because he could have had a license to drive issued to him 2 weeks after got his ID.
You need to have a letter from DMV stating that they never issued a driver license to this person. Of course, it's very hard to get something from DMV, so there is a form, which many insurance companies use. You fill out this form stating that person is specifically excluded from your policy (I do not remember the exact wording there, ask your agent.)
In a nutshell, your insurance company still doesn't have proof that your boyfriend doesn't have a license.
Can they do all this to you? Of course they can. They can cancel your policy at any time for no reason as well. Auto insurance is not something that they MUST provide to us, and, by the way, we do not have to have it - just post a bond with the State and you'll be self-insured.

ddstantlerstill

Any person you list that lives with you will be mentioned on your policy.The reason is because there is a potential they may drive your car so they are listed as either a covered or none covered driver.

Jackson A

you're stoned

Call the insurance companies headquarters. How do they expect to insure and unlicensed driver? Someone is goofing off at the office you deal with. You are giving them way to much information. Then get on the internet and find the Illinois dept of insurance (google) and report them.

UCANTCME

He must have added himself and falsified the information behind your back.

hillabee_is_me

Switch to progressive direct. We have it and it is inexpensive and easy, you don't even have to go through an agent. Just go to progressivedirect.com and go from there.

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