Will my girlfriend's bad driving record follow me to another car insurance company?

I just received a notice canceling my umbrella policy because of her last accident. If I move to a new company and don’t include my girlfriend, does her record follow me with higher rates? I'm thinking that if they canceled my umbrella they are going to cancel my car policy in the future.

Nov 18, 2019 Cameron Park, CA

Ross Martin

Nov 18, 2019

Sorry to hear about the situation. It is possible for claims to follow you elsewhere. This depends on how the new company reads the reporting. Some will read the specific driver and not put it against your record. However, you will likely run into a problem removing her from any plans. Most companies require all household members to be listed as either a driver or an exclusion. So if you exclude her, she would need to go get her own plan

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