Hello!
I was living with my partner earlier this year while I was job hunting and eventually moved home this past summer to cut down on the overhead costs.
Prior to me moving home, my partner called up his insurance company and inquired about adding me to his policy (we were sharing one vehicle at the time). Since I decided to move home, he chose not to add me and thought that was that.
Come this month, he returns to grad school and, upon opening his insurance app, found that his policy was canceled. He called them up and they told him that they sent him a letter asking for MY information otherwise they'd cancel his policy. He checked with the Post Office and no such letter was ever sent.
He informed them that I no longer live at his address and they asked for him to prove it. Fine.
So I send over my drivers license and a bank statement containing my address. Denied! Why? Cause I send all my mail to a post office box!
I live on a Native American reservation and it's difficult to receive mail out here, even with a fire number. I didn't know people received mail directly at their homes until I moved away for college! It's just not a common thing where I am from.
So, I am scrambling trying to find some official mail or statement with my name and the family's fire number. Luckily (in this one case. Not if I lose my card cause I'll be SOL) one of my credit cards had my family's fire number and I send the latest statement in.
All good? Nope! Denied! All because I didn't make enough purchases in the area. How can I? I'm traveling for the next 3 months due to work!
Now. Because they canceled my partners policy, he is deemed to be too "high risk" and no other insurance company will take him. His driving record is clean (literally no accidents) and this is so frustrating cause he now has to walk 2 miles to his university and back every single day on a highway.
I'm trying to get one of the utilities in my family's home under my name to, once again, try and prove my residency.
Has anyone had this issue happen to them and, if so, how were you able to solve it? We're both so frustrated by this and I don't know what to do at this point.
Partner tries to add me to car insurance policy. Insurance company cancels his policy and deems him "high risk"
byu/Witty_Albatross_9506 inInsurance
Posted by Witty_Albatross_9506
8 Comments
Have him work with an agent. Not every carrier is going to refuse him. They’ll be some out there that’ll work with him.
Have him call an independent agent in the area. They will run quotes for various companies and find him a company that will insure him.
I appreciate that all this is probably true… But it’s also exactly what I would do if I was trying to scam the provider into believing that I would never ever drive his vehicle.
Find an independent rep who can search multiple companies.
Tell him to make you a named excluded driver.
[deleted]
What do you have with a service address? Electricity bill? Water bill? Internet bill? What bill do you pay online that you can switch to your home address without worrying about it actually being delivered? I get the frustration, but this is a common way that people scam insurance companies so they just want something definitively linking you to another address.
State?
I feel for you guys, these things can be arbitrary and I say that as the former agent who had to say “unfortunately that wasn’t sufficient because of xy&z”. With address disputes and specifically additional driver disputes we didn’t get much if any leeway on what was acceptable. Your partner is likely being denied by other insurers based on the lapse in coverage not because you were quoted and never added.