My girlfriend was in an accident while driving my car (it was her fault), and my insurance automatically added her to my policy. Can I take her off?
Hi everyone! My girlfriend, who I live with, recently hit a parked car, and we went through my insurance to get it repaired. When I spoke with the insurance representative, I mentioned that she had my permission to drive the car, and they advised me to add her to my policy since we live together. I just picked my car up from the shop today and noticed that my bill has increased by over $1,600 because of her automatic addition to the policy. My coverage is from 11/30 to 5/30, but they’re saying she needs to pay the full amount even though she’s only on the policy for the last three months. Does this seem right? I’m considering calling to remove her from the policy to avoid that charge and then adding her back when I start a new policy in June. What do you think?
It sounds like you’re facing a frustrating situation. Here are a few points to consider:
Insurance Policy Terms: Generally, if your girlfriend lives with you and is regularly using your car, insurance companies often recommend adding her to your policy. This is to ensure that she’s covered while driving and to avoid potential issues in the event of an accident.
Removing Her from the Policy: You should definitely call your insurance company and ask about the possibility of removing her from your policy. Explain your situation and see if they can accommodate your request. However, be aware that policies regarding adding or removing drivers can vary by company.
Charge for Adding Her: Most insurance companies will charge for the full term if someone is added to a policy, even if it’s only for a short time. It might not be ideal, but it may be part of their policy.
Future Considerations: If you manage to remove her from your policy for now, you can certainly add her later when you start a new policy in June. Just keep in mind that when you do, the costs might be affected by her driving history or any claims made while she was added to your original policy.
Seek Clarification: If you’re unclear about the charges or how the policy works, don’t hesitate to ask your insurance provider for a detailed explanation. Understanding your coverage and premiums is important.
In any case, it’s best to have a frank conversation with your insurance agent about your options. Good luck!