My girlfriend got into an accident while driving my car (it was her fault), and now my insurance has automatically added her to my policy. Can I have her removed?
Hi everyone, my girlfriend, who I live with, recently collided with a parked car, and we went through my insurance to cover the repairs. When I spoke to the insurance representative, I mentioned that she had my permission to use the car, and they suggested that, since we live together, I should add her to my policy. I just picked my car up from the shop today and discovered that I now owe over $1,600 because of her automatic addition to my policy. My current policy runs from 11/30 to 5/30, and they mentioned that she would have to pay the full premium despite only being covered for the last three months. Does this sound right? I’m considering calling to remove her to avoid that charge and then adding her back when I start a new policy in June. What do you think?
Yes, you can call your insurance company and inquire about removing her from your policy. Generally, as long as you are the policyholder, you have the right to make changes to your policy, including removing someone who was added without your explicit consent.
However, it’s important to understand that since she was added to the policy for her to be covered while driving your car, you might face some challenges. The insurance company may have added her automatically due to the nature of your living situation and the accident that occurred.
When you call your insurance company, explain your situation and ask if they can remove her and adjust your premium accordingly. They should be able to give you clarity on any fees or adjustments related to that change.
Keep in mind that if you decide to add her again when you start a new policy in June, you might want to discuss the implications of that, including how her driving record could affect your premium. Always read the terms of your policy or speak directly with an agent for more tailored advice.