Here’s the situation:
-My insurance company sent me an update request asking me and any new drivers in the household. I responded, truthfully, that there was none new.
-Eight days later, my fiancée moved in with me, and two days later we married.
-Insurer created a new policy for the coming year. I’m listed as the sole driver.
A few days later, discussing my policy with a sales rep (they had overestimated my miles) I disclosed I got married recently and that my wife has been licensed in the US very recently, so I’m worried about the prime flying through the roof. The sales rep told me that I’m obliged to disclose any new drivers in the household when they ask me, so if the information was truthful and accurate when they asked me, for the moment I can fly “under the radar” until they send me a new update request. Thus, she did not update me to “married” status and did not add my wife to the policy.
The information I sent them when they asked me was accurate. However, I’m afraid that my wife might have a collision and that my insurer might claim there’s been a fraud on my part and that any excuse over the informal advice a sales rep has given me will not fly.
Any opinions on how to proceed? I would appreciate the input of anyone who’s worked in insurance.
EDIT: My insurance policy says that I should immediately report any new underage drivers in training. It does not say anything about immediately reporting a new licensed driver. New drivers are not listed under “occurrences” either. Hence my confusion
EDIT 2: Actually, AAA bases their rate on the least experienced driver in the policy (my wife, in this case)
id just wait til next time you update since they wil raise price only the insurance company you have to woory about cops dont care whos driving long as car is cover by insurance and insurance company just wants money
Check what your policy says. It may say that you need to notify them if there are any new drivers in the household, which would mean notify before any new driver drove on the policy.
yes report it, if she is living in the same house as you and gets into an accident the insurancs company will mot pay. and you can get marrage discounts
Looking for replacement car insurance is quite easy way to save money. Get a fast quote online they most often give competing prices.
I recommend http://www.lowratetoday.com
Updating your insurance information is no different than updating your drivers license, it’s required to be done as changes occur. They will ask you upon renewal but anytime a change occurs you need to update it in order to be 100% covered. If your wife should have an accident with the car the insurance company could deny coverage. It’s very doubtful that your rates will go up. Most companies give better rates to married couples than they do to singles. If they do raise your rates then it’s probably time to shop for a new insurance company.
Report her.
If you fail to disclose a fact that can materially alter your premium, this is “Material Misrepresentation”. It can be used as grounds for denying claims and even voiding your policy back to the date the misrepresentation began.
You can compare how the insurance quotes would change, for example here – autoinsurance.noneto.com