Question

Why did my insurance company automatically add my daughter to my policy when she has her own insurance?

They are now requesting me to pay an additional $2500 in 2 weeks or they will cancel my policy. I already paid the policy in full for 6-months.

Aug 14, 2019 Jacksonville, FL

Answer
Kristine Lee

Aug 14, 2019

If your daughter lives with you and you two share an address, your insurance company is probably assuming that she may sometimes drive your vehicle, at which point she would need to be a named driver on your policy. If she has her own car — and doesn't drive yours — it could be possible for you to have her excluded from your policy. You'd need to contact your insurance company and they might require you to show proof of your daughter's separate policy, like her proof of insurance card, before she can be made an excluded driver. By excluding her, you are essentially promising to your insurer that she will never drive the vehicle. If she were to drive your vehicle after being excluded, she would not be covered by your insurance, so both of you would be responsible for any damages. Nonetheless, you can likely avoid having to pay the steep premium increase that your insurance company is trying to impose by excluding her as a driver. It's also worth remembering that you can always shop around for a new policy. The Zebra can quote you with many companies at once. If you have any other questions, don't hesitate to ask.

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