by Lauri » Wed Feb 11, 2009 03:04 pm
My son has a suspended license for the next 5 months. He doesn't live with me, but asked to move in. Not knowing about the suspension, I said yes and called to add him to our policy only to be told about the suspension. I told him he could not live with us and now he shares floorspace at someone's apartment.
My insurance sompany has called and written several times, asking for my confirmation that he doesn't live with me. I have put it in writing, asked that they send an agent to my house to verify, done everything I can to let them know that he has no access to our vehicles (one was purchased for him, but is garaged until he gets his license reinstated.
Can Safeco cancel the policy? They said that in Texas they have to have my written request/approval to cancel. Are they simply going to wait until the policy end date and not renew? What does that do to me? And should I pre-empt them and get coverage elsewhere before that date?
My insurance sompany has called and written several times, asking for my confirmation that he doesn't live with me. I have put it in writing, asked that they send an agent to my house to verify, done everything I can to let them know that he has no access to our vehicles (one was purchased for him, but is garaged until he gets his license reinstated.
Can Safeco cancel the policy? They said that in Texas they have to have my written request/approval to cancel. Are they simply going to wait until the policy end date and not renew? What does that do to me? And should I pre-empt them and get coverage elsewhere before that date?
Posted: Fri Feb 13, 2009 06:35 pm Post Subject:
I also think it would be wise to have the daughter get a part time job.
She was on her way to the job she has held for a year. Her tax refund is what will pay for the repairs and she's paying for her defensive driving course.
Raising your deductible could off set the rate hike.
Nope. The same CU finances both and has a limit on how high the deductible can be.
Please don't assume I'm the standard idiot you encounter daily. My daughter is almost 18, has been working for a year, saving her money for a car. She paid 1/3 the cost plus gas and was splitting the insurance costs with us. Her car was back at the dealership for some minor warranty work so she used my car to get to work.
She's a very responsible person. I'm a very responsible person. Both she and the other driver were found to be at fault -- him for pulling out from behind a stopped car and her for failing to stop in time - the report says that they both failed to yield the ROW.
As for the loyalty issue: please take the time to actually read what I have previously written. I have been with this company for 3 weeks. Our previous company -- we were with for 10 years. I can't imagine that this new company will feel any loyalty toward me.
Posted: Fri Feb 13, 2009 07:06 pm Post Subject:
As for the loyalty issue: please take the time to actually read what I have previously written. I have been with this company for 3 weeks. Our previous company -- we were with for 10 years.
i beg pardon from you lauri on behalf of all our community members if at all
our views have annoyed you, but sir, it is normal that any "father" would
recommend about the sweet advice of the daughter's job. plz do not get
angry.As far as loyalty issue is concerned, sorry i haven't read your thread
properly about second insurance company.
We all are striving to resolve the issue to help who is in distressed
condition, if that has hurt you. again sorry!!!! :arrow: :arrow:
Posted: Sat Feb 14, 2009 02:03 am Post Subject:
Thank you. I'm not angry, just frustrated with the accustions and assumptions of irresponsibility. People seemed more inclined to jump on each other's bandwagons and wag fingers at me than actually read my posts and offer the advice I sought.
Posted: Mon Feb 16, 2009 11:10 pm Post Subject:
Sorry Lauri if it came across this way. I was simply trying to offer some solution because I seen you were upset. Really at this point there is not much you can do but look to a more positive side and find other solutions. Its hard enough getting by with the economy the way it is and it is great that your daughter is going to pay the differnce and has a good work ethic.
Posted: Tue Feb 17, 2009 02:39 pm Post Subject:
The easiest way out of your current predicament is to offer them a driver exclusion form.
Posted: Sat Feb 28, 2009 12:36 am Post Subject:
Well, they cancelled the motorcycle policy. The reason was that my son has a suspended license. Nevermind the fact that he doesn't live with us.
With the auto accident, it's just a matter of time before they cancel that, too.
Posted: Sat Feb 28, 2009 08:29 am Post Subject:
I guess you were right about being pre-empt. Its high time Lauri that you start looking for another carrier, who would be more reasonable in its manners. I can't believe that the insurer cancelled the plan even after receiving repeated confirmation from you about your son. I empathize with you and, yeah, you have every right to be frustrated.
Good luck with the search. Remember a clean claim record would also help you in getting good rates.
Posted: Thu Mar 05, 2009 01:33 am Post Subject:
My thought sre there are more fish in the sea. Obviously this insurance company dos not appreciate its customers and I wonder, if after having all that proof and they cncelled my policy, if they were even a good reputable company to begin with.
Posted: Sun Mar 08, 2009 08:56 pm Post Subject:
The company is Safeco. I thought they were reputable and had a good standing. Apparently policies aren't contracts to them.
Luckily, I had already gotten a quote for a new motorcycle policy with another company and was able to get that policy in place before the cancelation took effect -- they gave me 2 weeks from the receipt of notification to cancelation. I have also gone to an independant agent and gotten auto and homeowner quotes, but will have to wait as we have an open claim. Of course, that might not stop Safeco, but at least I'm prepared.
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