Can my insurance company charge me $360/ YR extra for asking to list my boyfirend on my policy as a driver when the listed him as an excluded driver?
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UPDATED: Jan 29, 2012
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Insurance Question from East Moss Point, MS
Asked on 01/29/2012
Can my insurance company charge me $360/ YR extra for asking to list my boyfirend on my policy as a driver when the listed him as an excluded driver? My girlfriend lets me use one of her cars at times. She asked her insurance agent to add me to her policy. They told her that since I had a car with insurance from another company they would have to add me as an excluded driver. They said my inurance company would be the primary coverage if I had an accident in her car. Then they charged her a surcharge of $360/yr to list me as an excluded driver. How could they possibly charge extra for not inuring me? Can they be sued for lieing about my insurance paying for me in her car and for charging her for me not being able to drive the car?My driving record is perfect and my credit score is 795.
Answer given on January 31, 2012
The request to exclude your boyfriend on your policy seems rather odd. Since he has his own insurance, your insurance company cannot charge him for his driving record, since any violations or accidents are already being charged on his policy. If he has a bad driving record, it could be the reason your company wants to exclude him. However, they cannot charge a premium for such an exclusion, since he is not being covered by your policy.You should talk to your agent or insurance company to try to get them to explain why they want to exclude him. If he has a good driving record, there should be no reason for the exclusion. If they stand by the decision to exclude him, you really have no choice other than to change your insurance. If you continue to allow him to drive your car, and he has an accident, then you would have no insurance for that accident.
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