Can they do this? Since the Jeep I just bought is in mom's name, we went to her insurance place to get insurance (Farm Bureau), we've had both my other vehicles with them, her vehicle, and our house insurance. So they approved us for insurance on the jeep. I do have one major boo-booo on my driving report, but they said that would just make the rates about $100 more per 6 months. Then we got a letter in the mail saying they were cancelling my policy after looking at my driving report. On my driving report I have: Sept. 04- My jeep hydroplaned and hit a tree and was totalled. I was driving safely for the conditions (raining), it was just a freak accident May 06- Wreckless driving (really STUPID mistake and one I would never make again) June 06- driving 50 in a 35 (speed limit wasn't posted anywhere). It sucks, but I can see why they would cancel the policy. When she goes in to pay her truck insurance today- they inform her they are dropping her truck insurance as well. WTF? She is almost 70 yrs old. Drive a 1990 Ford Ranger, NEVER had a speeding ticket in her life! I don't even drive her truck! So can they drop her insurance too? Also, any recommendation on where to try to get insurance? I have to have full coverage on the Jeep til its paid off. The insurance will be listed under my moms name since the car is in her name, w/ me as a primary driver. |
we have 21 st century insurance.... we love them ! their web site is 21st.com |
In a word...yes. They're cancelling the policy because they are unable to have you removed as a driver. If you weren't listed on her policy...they would allow her to keep it. Reckless driving is rated the same as a drunk driving conviction in the car insurance world because often times...a dui was reduced to reckless driving in court. I deal with driving records and my employees. More than once I have been informed the insurance company would not insure a particular driver. Btw, we did obtain coverage for an employee with a reckless ticket on his driving record from State Farm. |
The approval you received was from the agent...however, the underwriting department of the insurance company decided otherwise. Underwriting approves every policy. |
Oh boy I can see why they dropped it. How about if your mom were to not list you as a driver on the policy. You do live at a different address I assume so it's a bit of an omission. They are dropping her because by adding you on her policy it's makint it a risk. Plus a lot of insurance carriers are a bit hinky about having elderly car drivers. Sorry that happened. Try geico or progressive. At worst because of your record they will have you in the higher risk and then you will have to pay a lot more for a few months until you pass that risk bracket. |
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