My daughter just realized that her car ins co added her boyfrriend onto her policy apparently a year ago after he was involved in an accident while driving her car. She just noticed his name is XXXXX XXXXX policy and they have been apart for over a year and have no contact. They told her they will not take his name off until they have verification that he has ins coverage. SHe has no contact with him and the accident claims are still open. Is this legal? we live in ct. Her ins is double each month with him being on it
Country relating to Question: United States
State (if USA): Connecticut
No, they cannot refuse to remove someone from her insurance policy that she is paying for, that is breach of contract. She has the right to cancel the policy and obtain a new policy from another company in her name alone if they refuse. If she never authorized him being added to the policy, she has a right to have him removed. There is no law in CT saying anything to the contrary and all they have to do is give him 30 day notice they are canceling the policy on him.
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My daughter only has the one car- he's added as a driver on her car- she never authorized and she isn't even sure he knows because she had told previous to the accident that she was not adding him due to the increase in cost. Just wanted to clarify. Ins co told her tonight if she could verify that he had other ins that her premium would drop 800 dollars. We always were told that if someone borrows your car then the accident is under the car owners policy- he should not have been placed by them on her ins after the first accident. Regardless the accidents have to do with her policy. They told her it is policy to add who was driving after an accident to car policy. Makes no sense.
They cannot add him to the policy if she never authorized it. Also, she needs to read her policy to see if they have a statement in her insurance policy stating that if an uninsured party was driving the vehicle they would add them to the policy and if there is no such statement in there, she would need to demand removal and tell them she is reporting them to the state insurance commissioner and if they still refuse then she needs to drop the company and get a new policy and file a complaint with the state insurance commissioner and also consider suing them for breach of contract to recover the money they overcharged her putting him on the policy without her authorization or without any clause in her insurance contract allowing them to do so.
JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
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