I was living with them two years ago but now I’ve moved out, I have a driver license but didn’t own a car nor having my own auto insurance. I’m not planning to sign anything I don’t know but just curious what’s that for? Or actually it’s pretty safe to do so?
A relative want me to sign an excluded driver endorsement but I’m not living with them, is that a fraud? (in Toronto)
byu/Zeria333 inInsurance
Posted by Zeria333
6 Comments
Don’t sign anything.
You only sign if your driver’s license is in their address and they want to exclude you out of their insurance that you will not drive their vehicle(s)
But since you moved out, you don’t need to sign anything and ignore them! Just don’t sign because either way, not like you will be borrowing their vehicle anyways
Signing an excluded driver endorsement isn’t fraud. It’s saying that your relative’s insurance won’t protect them (or you) if you’re involved in an auto accident (whether at-fault or not).
Did you change your mailing address?
It means you probably used their address for your driver’s license at time and you’re being force added to insurance policy of theirs costing them additional money.
Just update your address on your DL and provide them a picture to provide the insurance company
Their insurance probably ran a DMV or some sort of report and found that you lived there. Insurance rules want every licensed individual living at the same address to be listed on the insurance policy. Your relatives told them you moved out, but their insurance wants proof. A drivers exclusion is one way of doing this, especially if your drivers license still has their address. If your drivers license address is still theirs, do them a favor and change it.
Fraud is intentional misrepresentation of material information for a financial benefit. In this case, the potential financial benefit is that the insurance company will agree to insure your relative, or to insure them for a lower rate. Whatever you’re being asked to sign, the important matter is if you are signing to attest to/verify a set of facts. If the form incorrectly indicates that you live at the policyholder’s address (or any other fact that is incorrect), then you should not sign it.