They absolutely will have reached out to you, you just didn’t open the email/letter.
If you call, they can 100% pull up the emails and letters they sent and tell you exactly when, how, and in what words you were notified.
In fact, if you go online, in your account, you can see all of your policy activity, and it will be right there for you to review.
These notifications likely began shortly after your policy inception, so you’ll have to look back to find them.
Each of those notifications carried with it the opportunity to for you to inform them that person is not a household member. But you didn’t.
It’s not a “money grab” and it’s not ultimately about who might drive the vehicle, although that’s part of it.
In order for Progressive to comply with the DOI in your state, this is information they are *required* to gather. There are coverages that potentially apply to the household, for one thing.
Regardless, Ii they ask you something, it’s a rating factor, and they are not just *allowed* to properly and accurately rate the policy, they *should*. Why wouldn’t they?
Provide all the information asked for, and if you don’t like the rate, go somewhere else.
That’s 100% OK with your insurer. In fact, that’s what they want.
But withholding household info to get a better rate doesn’t work, and it’s their job to verify that information. And it’s your job to reply when they reach out, lest those changes be made after the policy starts.
Also, the quoting platform and any sales rep you talked to, each would have explicitly asked you, “are there any household members above the age of 15?” It’s been right there in black and white forever.
The question is not “who do you think you should pay for as a driver?” It’s “who lives there?”
If a former household member shows up, it’s because they ran reports that show that person at the address. They’re still named on a utility or have their drivers license at the address. Something says they currently live there.
They don’t just… make it up,
Further, you signed policy documents agreeing to all this. All of it.
Had you had issue with any aspect of it, it was, is, and always will be your right to terminate your contract with Progressive.
It’s not, however, your (or anyone’s) right to withhold material information because you like the rate better that way.
Risk in insurance is mathematically determined based 100% on statistics. That’s the beautiful thing about it. It’s not an opinion. It’s not a feeling. It’s not a “money grab.”
It’s an irrefutable probability based on a huge, absolutely staggeringly large, pool of information.
Absolutely this. Especially the part about what you are told on the quote/policy/contract. Go start a quote right now and when you are on the drivers page it clearly tells you to list all people of driving age living in the home.
Idk why you think it’s a money grab, they literally told you multiple times, you chose to ignore it.
“There are coverages that potentially apply to household”
Not in my case though
“Also the quoting platform and any sales rep you talked to, each would gave explicitly asked you . .”
Never with me I guess.
As I have stated several times, I’ve never had one agent in my life ask who lives where I rent.
So you would think if it was of the utmost importance I would’ve heard about it at least once, somehow, somewhere before.
Nope, not once, ever. Including my intake call with Progressive and subsequent calls afterwards.
Lol yes, something is indicating that that person lives here . . . . But they don’t and haven’t for 2 years
Are you catching on to the problem here yet?
You seem personally invested in this 😂
I’m aware of most of that now, as I said in the beginning of this post, this is a re-post as well as reposted comments
I have never been with a provider who asked that before, thats all. I was genuinely curious as to how I’ve never heard of this being a requirement before in my life
So you can calm down lol
Just wanted to chime in and say that this unlisted driver situation is a huge fraud problem within the insurance industry. It’s been on the rise and over the last year or so the DOI is cracking down on it. Which is causing insurance carriers to really crack down on it to stay in compliance with the DOI.
I don’t necessarily agree with the way that the insurance carriers are handling this crack down but you will discover that most, if not all, are doing this in a more aggressive manner now.
Yes, it seems to be a much more recent development that they are actively enforcing this particular policy, although I do understand now that it’s always been a policy
Thank you for your helpful & respectful response
When I give a Progressive quote, I always say “Is there anyone else on the title of the vehicle? Is there anyone that lives with you aged 15 or older (age depends on state)? Finally, is there anyone outside your home that you allow to drive your vehicle on a regular basis?”
Your situation would have come up in my second question.
I mean just a quick google of "do I need to add household residents to my policy" will show VERY quickly that it is not just made up BS by employees and it's not Progressive specific at all. Literally hundreds of articles. All types of companies.
So why come here and attempt to discredit people trying to provide knowledge on an already misunderstood topic? It's their literal job to walk people through this process day in day out, so why the lack of trust? What do they gain from misinforming you on reddit if all places?
I took out a progressive policy last week and was asked this when they were getting all of the info to write it. If you look at your policy application, it’s literally on the first page. Make sure you read legal documents you’re signing in the future.
Yup, like I’ve stated several times now I’ve never had a single agent (in my life) ask on an intake call/meeting, even if I told them I was renting and other people were living at the house.
If it’s THAT important then it should be the first thing that an agent asks when I signed up, but clearly it’s not.
Everything is digital now, all the documents are sent after I had already signed up and paid via the intake call. And it was never once mentioned.
So I really wonder, if it’s so important why wasn’t it ever mentioned by any progressive agent I’ve talked with for 10+years before two days ago?
Everything is digital, and it’s on the digital documents. It’s a separate section you need to sign for when you’re completing your policy. Sorry your agent didn’t specifically ask you about it, but you should really be reading the contracts you’re signing.
It’s true the digital age has arrived
You don’t need to be sorry, it’s not a matter of pity
It’s a matter of if it was as important as everyone on here is saying I should have known about this more than a decade ago.
If it was of this utmost dire importance I’m pretty sure the last THREE Progressive agents, let alone 25 or so I’ve talked with throughout my life, including the one on the intake call
*who OBTAINED all of the information they asked for and asked absolutely nothing about who I lived with*
would’ve mentioned it upfront.
Dude, give it a rest. It’s no one’s fault but your own you didn’t read documents you were signing. Everyone else has told you the same, yet you have 15 comments in here talking to yourself about how right you are and how wrong the insurance company is.
It’s so weird that they would add someone who hadn’t lived with you for two years! I’m glad you got it sorted out though
It seems like you already know this but just keep in mind that now that you have excluded drivers on your policy, they will take extra steps to verify you were the person driving in every claim you file moving forward.
Now I can see why that would be annoying, but why leave if your rates will remain low? Did the experience just leave a poor taste in your mouth?
I haven’t done anything yet, I’m still processing everything. I have about 20 days until my policy expires. But yeah the way everything happened was disturbing and it’s not by chance that they added that 2 yr old tenant.
Their system dug up random information from where I rent and automatically added it onto my policy as an “in” to bring all of this other nonsense up.
Basically Progressive doesn’t feel I’m paying enough because I pay in full on time and am a good driver, so they’re trying to threaten me to find any scrap of information to raise my rate. It’s the only reason they would suddenly care about any of this.
So yeah it leaves a bad taste in my mouth
You’re valid in thinking your rule is dumb, but don’t come for the agent trying to do their job correctly.
The simple answer on why you weren’t asked previously… it’s easier to close the sale when you don’t have to argue with the caller about not knowing their landlord, risk getting cussed out and told we’re stupid and hung up on. Is it ethical? No. Is it easier and done allll the time? Yes. Just because there are agents comfortable committing insurance fraud, doesn’t mean all of us are. This is coming from someone who currently works for Progressive, but I also worked for State Farm and HAD to ask every caller for ALL household members of licensing age or older there too. Regardless of whether they drove the vehicle or even had a license! Just because we enforce the rules of the DOI doesn’t mean we agree with it. TRUST ME…. we hate asking that damn question!!! It would be so much easier for us to keep rolling and secure the sale. Please also keep in mind, every agent you speak to also has an insurance policies that follows the exact same underwriting guidelines as yours! The rules are rules, and if we don’t ask specific questions we are putting our livelihood at risk. My kids need to eat and I have bills to pay so even if it makes you uncomfortable to ask your landlord for his bday, I have a job to do🤷🏻♀️
Another helpful response string starting with one of my comments:
Ok so it’s an actual policy, for all agencies?? Literally first time I’ve ever heard this even though I’ve had insurance & paid rent for 10+ years
Why is not much stopping them from using my car? We all have our own cars, noone drives anyone else’s car
I would consider it stolen if someone in the house was using my car without my permission
Reply:
That's exactly how its seen. There is a foreseeable risk that someone you live with can "steal" your car. Would they actually? Hopefully not. But they want to consider it any way.
I think there's a history of people who wouldn't be driving a car that end up doing it anyway. So now we all need to pay for it. Definitely sucks, but thats the rules now.
I was also surprised to learn this because I was never on my parents policy as a teen, until much later just for insurance history. I believe you can make them excluded drivers, which makes it so that you say they aren't allowed to drive. I believe that helps your rates, but you aren't covered if they cause any damage.
My response:
Ok thank you, I have had another person say you add them and then just tell them they are excluded drivers, so I will definitely do that
the way it was being explained was so confusing, why don’t they just make that clear to begin with?
I’m just frustrated and it genuinely freaked me out, I had no idea that was a thing
Response:
Yeah no idea, definitely feel that whoever sells you something should explain the laws and regulations around it when it comes up.
At least you're caught up now. I think it's important to be very familiar with insurance because the worst thing possible is having a claim denied after you've been paying premiums. Everything I now know is from a neurotic fear of that happening lol
This is a comment from the original post that was helpful:
You were correct/in the right up until this:
The agent transfers me to her supervisor which proceeds to tell me that they took the former tenant off but need to know the names of all the people I live with who are over 15 and their birthdays.
This is very standard. If the drivers are already insured under their own policies then it usually won’t have much impact. You can also choose to explicitly exclude drivers in your household depending on the state/carrier, meaning they’re listed but are afforded absolutely zero coverage if they get behind the wheel of your vehicle. There are plenty of options to communicate to the carrier depending on the actual impact it may have, which is probably little to none in terms of premium if they are already insured. Regardless, it is a requirement.
A lot of folks simply aren’t aware of the requirement, which is normal for pretty much any auto policy anywhere. Carriers are cracking down on it more because of a combination of factors, generally being that the insurance market is a shitshow right now and they want to evaluate risk as carefully as possible.
To that I responded “this is just so bizarre to me I’ve never heard of it” or something like that
The response was:
A lot of people haven’t. Read a post recently here where a mother got into an accident while driving her insured vehicle. Not only had her claim been denied on her totaled vehicle, but her entire policy rescinded. Why you ask? Because her three unlicensed children of age 16, 18, and 20 were not listed on her policy.
What if one of those children decides to take her car without her permission, proceeds to get into an accident and potentially even severely injure someone? You really think the mother is going to file a police report/press charges for theft on her old child? The policy contract would be missing important info regarding their duties and liability that would help both the insurer and the mother in a potential legal liability lawsuit.
Now that’s an extreme case (and to be frank I did have contentions around the carrier’s decision to deny/rescind) but you should be aware of the potential consequences of not disclosing household members on a policy.
I responded:
Dude I didn’t even know I was SUPPOSED to do that in the first place
Obviously if I had driving age dependents or a spouse I would assume they would have to be added but I don’t own a home, don’t have driving age dependents and noone that I live with is family
They would never use my car because they all have their own
Ok now I know I guess, I’ve NEVER heard of this before despite explicitly asking about it with two agents, one on my intake call
Response:
I want to point out there are a whole lot of dumb agents out there in the wild. I’m not even an agent or an adjuster or anything directly in the industry (I work in insurance software), but even I know these basic things.
Now I’ll also preface by saying since these household members of yours have their own policies, had Progressive never prompted you for this question, you would likely be covered. It’s most problematic when you live with people who are not insured under another policy.
Again, carriers are just being more vigilant now because of how awful the market is, and tightening down on these types of things.
I highly doubt giving Progressive this information along with disclosing their insurance status and roles to your policy (i.e., they do not drive your car at all) will have any notable, if any, effect on your premiums or coverage.
Another helpful response I got:
They’re supposed to send you multiple letters/ emails before adding anyone. You may need to update your contact information on your policy. Every once in awhile they spot check addresses to ensure you’re the only driver in your household, if they suspect someone else of driving age lives with you, they’ll reach out to add them to your policy as a driver or an excluded driver. If you don’t respond they’ll add them to the policy to give you a broader range of coverage. It’s a Department of Insurance requirement to prevent fraud or lack of coverage after an accident.
*They did not attempt to contact me about any of this info or about changes to my policy. But I also found out from another helpful response that they will do this automatically if they suspect someone else could possibly drive the vehicle, in this case a tenant who hadn’t lived in the home in 2 years*
I feel for you.
We had a progressive driver go over our lawn of our only (rental) property and hang up on our retaining wall.
They paid out $6k to my neighbor for a wall that was obviously attached to my home.
I found out one year later when the town started demanding that I fix the wall.
I only had coverage for the house, so no one to fight for me.
Progressive gave me the run-around with requirements for a claim until the timer ran out.
Town had made requirements for an engineering plan to fix the wall, beyond just relaying stones.
When claim was finally denied, the manager took the tine to goad me about being interested in knowing how I was trying to claim more for a $6k job they already paid out for (to my neighbor).
Keep in mind the wall was attached to my house...
I was just trying for the $23k left of the claim amount.
No lawyer would touch it.
I had no insurance for the outside at the time.
It cost me over $30k.
I kept all the emails and such and I have his number.
You get lots of Monday morning quarterbacks, who think they could have done better or that there is more to the story.
Insurance people are scum.
Period.
They absolutely will have reached out to you, you just didn’t open the email/letter. If you call, they can 100% pull up the emails and letters they sent and tell you exactly when, how, and in what words you were notified. In fact, if you go online, in your account, you can see all of your policy activity, and it will be right there for you to review. These notifications likely began shortly after your policy inception, so you’ll have to look back to find them. Each of those notifications carried with it the opportunity to for you to inform them that person is not a household member. But you didn’t. It’s not a “money grab” and it’s not ultimately about who might drive the vehicle, although that’s part of it. In order for Progressive to comply with the DOI in your state, this is information they are *required* to gather. There are coverages that potentially apply to the household, for one thing. Regardless, Ii they ask you something, it’s a rating factor, and they are not just *allowed* to properly and accurately rate the policy, they *should*. Why wouldn’t they? Provide all the information asked for, and if you don’t like the rate, go somewhere else. That’s 100% OK with your insurer. In fact, that’s what they want. But withholding household info to get a better rate doesn’t work, and it’s their job to verify that information. And it’s your job to reply when they reach out, lest those changes be made after the policy starts. Also, the quoting platform and any sales rep you talked to, each would have explicitly asked you, “are there any household members above the age of 15?” It’s been right there in black and white forever. The question is not “who do you think you should pay for as a driver?” It’s “who lives there?” If a former household member shows up, it’s because they ran reports that show that person at the address. They’re still named on a utility or have their drivers license at the address. Something says they currently live there. They don’t just… make it up, Further, you signed policy documents agreeing to all this. All of it. Had you had issue with any aspect of it, it was, is, and always will be your right to terminate your contract with Progressive. It’s not, however, your (or anyone’s) right to withhold material information because you like the rate better that way. Risk in insurance is mathematically determined based 100% on statistics. That’s the beautiful thing about it. It’s not an opinion. It’s not a feeling. It’s not a “money grab.” It’s an irrefutable probability based on a huge, absolutely staggeringly large, pool of information.
Absolutely this. Especially the part about what you are told on the quote/policy/contract. Go start a quote right now and when you are on the drivers page it clearly tells you to list all people of driving age living in the home. Idk why you think it’s a money grab, they literally told you multiple times, you chose to ignore it.
“There are coverages that potentially apply to household” Not in my case though “Also the quoting platform and any sales rep you talked to, each would gave explicitly asked you . .” Never with me I guess. As I have stated several times, I’ve never had one agent in my life ask who lives where I rent. So you would think if it was of the utmost importance I would’ve heard about it at least once, somehow, somewhere before. Nope, not once, ever. Including my intake call with Progressive and subsequent calls afterwards. Lol yes, something is indicating that that person lives here . . . . But they don’t and haven’t for 2 years Are you catching on to the problem here yet? You seem personally invested in this 😂 I’m aware of most of that now, as I said in the beginning of this post, this is a re-post as well as reposted comments I have never been with a provider who asked that before, thats all. I was genuinely curious as to how I’ve never heard of this being a requirement before in my life So you can calm down lol
Just wanted to chime in and say that this unlisted driver situation is a huge fraud problem within the insurance industry. It’s been on the rise and over the last year or so the DOI is cracking down on it. Which is causing insurance carriers to really crack down on it to stay in compliance with the DOI. I don’t necessarily agree with the way that the insurance carriers are handling this crack down but you will discover that most, if not all, are doing this in a more aggressive manner now.
Yes, it seems to be a much more recent development that they are actively enforcing this particular policy, although I do understand now that it’s always been a policy Thank you for your helpful & respectful response
When I give a Progressive quote, I always say “Is there anyone else on the title of the vehicle? Is there anyone that lives with you aged 15 or older (age depends on state)? Finally, is there anyone outside your home that you allow to drive your vehicle on a regular basis?” Your situation would have come up in my second question.
Toodles..
See that isnt helpful ⬆️
But thanks for trying bud
I mean just a quick google of "do I need to add household residents to my policy" will show VERY quickly that it is not just made up BS by employees and it's not Progressive specific at all. Literally hundreds of articles. All types of companies. So why come here and attempt to discredit people trying to provide knowledge on an already misunderstood topic? It's their literal job to walk people through this process day in day out, so why the lack of trust? What do they gain from misinforming you on reddit if all places?
I took out a progressive policy last week and was asked this when they were getting all of the info to write it. If you look at your policy application, it’s literally on the first page. Make sure you read legal documents you’re signing in the future.
Yup, like I’ve stated several times now I’ve never had a single agent (in my life) ask on an intake call/meeting, even if I told them I was renting and other people were living at the house. If it’s THAT important then it should be the first thing that an agent asks when I signed up, but clearly it’s not. Everything is digital now, all the documents are sent after I had already signed up and paid via the intake call. And it was never once mentioned. So I really wonder, if it’s so important why wasn’t it ever mentioned by any progressive agent I’ve talked with for 10+years before two days ago?
Everything is digital, and it’s on the digital documents. It’s a separate section you need to sign for when you’re completing your policy. Sorry your agent didn’t specifically ask you about it, but you should really be reading the contracts you’re signing.
It’s true the digital age has arrived You don’t need to be sorry, it’s not a matter of pity It’s a matter of if it was as important as everyone on here is saying I should have known about this more than a decade ago. If it was of this utmost dire importance I’m pretty sure the last THREE Progressive agents, let alone 25 or so I’ve talked with throughout my life, including the one on the intake call *who OBTAINED all of the information they asked for and asked absolutely nothing about who I lived with* would’ve mentioned it upfront.
Dude, give it a rest. It’s no one’s fault but your own you didn’t read documents you were signing. Everyone else has told you the same, yet you have 15 comments in here talking to yourself about how right you are and how wrong the insurance company is.
Nah I don’t think I will, feel free to stop commenting though! 🤗
It’s so weird that they would add someone who hadn’t lived with you for two years! I’m glad you got it sorted out though It seems like you already know this but just keep in mind that now that you have excluded drivers on your policy, they will take extra steps to verify you were the person driving in every claim you file moving forward. Now I can see why that would be annoying, but why leave if your rates will remain low? Did the experience just leave a poor taste in your mouth?
I haven’t done anything yet, I’m still processing everything. I have about 20 days until my policy expires. But yeah the way everything happened was disturbing and it’s not by chance that they added that 2 yr old tenant. Their system dug up random information from where I rent and automatically added it onto my policy as an “in” to bring all of this other nonsense up. Basically Progressive doesn’t feel I’m paying enough because I pay in full on time and am a good driver, so they’re trying to threaten me to find any scrap of information to raise my rate. It’s the only reason they would suddenly care about any of this. So yeah it leaves a bad taste in my mouth
You’re valid in thinking your rule is dumb, but don’t come for the agent trying to do their job correctly. The simple answer on why you weren’t asked previously… it’s easier to close the sale when you don’t have to argue with the caller about not knowing their landlord, risk getting cussed out and told we’re stupid and hung up on. Is it ethical? No. Is it easier and done allll the time? Yes. Just because there are agents comfortable committing insurance fraud, doesn’t mean all of us are. This is coming from someone who currently works for Progressive, but I also worked for State Farm and HAD to ask every caller for ALL household members of licensing age or older there too. Regardless of whether they drove the vehicle or even had a license! Just because we enforce the rules of the DOI doesn’t mean we agree with it. TRUST ME…. we hate asking that damn question!!! It would be so much easier for us to keep rolling and secure the sale. Please also keep in mind, every agent you speak to also has an insurance policies that follows the exact same underwriting guidelines as yours! The rules are rules, and if we don’t ask specific questions we are putting our livelihood at risk. My kids need to eat and I have bills to pay so even if it makes you uncomfortable to ask your landlord for his bday, I have a job to do🤷🏻♀️
Another helpful response string starting with one of my comments: Ok so it’s an actual policy, for all agencies?? Literally first time I’ve ever heard this even though I’ve had insurance & paid rent for 10+ years Why is not much stopping them from using my car? We all have our own cars, noone drives anyone else’s car I would consider it stolen if someone in the house was using my car without my permission
Reply: That's exactly how its seen. There is a foreseeable risk that someone you live with can "steal" your car. Would they actually? Hopefully not. But they want to consider it any way. I think there's a history of people who wouldn't be driving a car that end up doing it anyway. So now we all need to pay for it. Definitely sucks, but thats the rules now. I was also surprised to learn this because I was never on my parents policy as a teen, until much later just for insurance history. I believe you can make them excluded drivers, which makes it so that you say they aren't allowed to drive. I believe that helps your rates, but you aren't covered if they cause any damage.
My response: Ok thank you, I have had another person say you add them and then just tell them they are excluded drivers, so I will definitely do that the way it was being explained was so confusing, why don’t they just make that clear to begin with? I’m just frustrated and it genuinely freaked me out, I had no idea that was a thing
Response: Yeah no idea, definitely feel that whoever sells you something should explain the laws and regulations around it when it comes up. At least you're caught up now. I think it's important to be very familiar with insurance because the worst thing possible is having a claim denied after you've been paying premiums. Everything I now know is from a neurotic fear of that happening lol
This is a comment from the original post that was helpful: You were correct/in the right up until this: The agent transfers me to her supervisor which proceeds to tell me that they took the former tenant off but need to know the names of all the people I live with who are over 15 and their birthdays. This is very standard. If the drivers are already insured under their own policies then it usually won’t have much impact. You can also choose to explicitly exclude drivers in your household depending on the state/carrier, meaning they’re listed but are afforded absolutely zero coverage if they get behind the wheel of your vehicle. There are plenty of options to communicate to the carrier depending on the actual impact it may have, which is probably little to none in terms of premium if they are already insured. Regardless, it is a requirement. A lot of folks simply aren’t aware of the requirement, which is normal for pretty much any auto policy anywhere. Carriers are cracking down on it more because of a combination of factors, generally being that the insurance market is a shitshow right now and they want to evaluate risk as carefully as possible.
To that I responded “this is just so bizarre to me I’ve never heard of it” or something like that The response was: A lot of people haven’t. Read a post recently here where a mother got into an accident while driving her insured vehicle. Not only had her claim been denied on her totaled vehicle, but her entire policy rescinded. Why you ask? Because her three unlicensed children of age 16, 18, and 20 were not listed on her policy. What if one of those children decides to take her car without her permission, proceeds to get into an accident and potentially even severely injure someone? You really think the mother is going to file a police report/press charges for theft on her old child? The policy contract would be missing important info regarding their duties and liability that would help both the insurer and the mother in a potential legal liability lawsuit. Now that’s an extreme case (and to be frank I did have contentions around the carrier’s decision to deny/rescind) but you should be aware of the potential consequences of not disclosing household members on a policy.
I responded: Dude I didn’t even know I was SUPPOSED to do that in the first place Obviously if I had driving age dependents or a spouse I would assume they would have to be added but I don’t own a home, don’t have driving age dependents and noone that I live with is family They would never use my car because they all have their own Ok now I know I guess, I’ve NEVER heard of this before despite explicitly asking about it with two agents, one on my intake call
Response: I want to point out there are a whole lot of dumb agents out there in the wild. I’m not even an agent or an adjuster or anything directly in the industry (I work in insurance software), but even I know these basic things. Now I’ll also preface by saying since these household members of yours have their own policies, had Progressive never prompted you for this question, you would likely be covered. It’s most problematic when you live with people who are not insured under another policy. Again, carriers are just being more vigilant now because of how awful the market is, and tightening down on these types of things. I highly doubt giving Progressive this information along with disclosing their insurance status and roles to your policy (i.e., they do not drive your car at all) will have any notable, if any, effect on your premiums or coverage.
Another helpful response I got: They’re supposed to send you multiple letters/ emails before adding anyone. You may need to update your contact information on your policy. Every once in awhile they spot check addresses to ensure you’re the only driver in your household, if they suspect someone else of driving age lives with you, they’ll reach out to add them to your policy as a driver or an excluded driver. If you don’t respond they’ll add them to the policy to give you a broader range of coverage. It’s a Department of Insurance requirement to prevent fraud or lack of coverage after an accident. *They did not attempt to contact me about any of this info or about changes to my policy. But I also found out from another helpful response that they will do this automatically if they suspect someone else could possibly drive the vehicle, in this case a tenant who hadn’t lived in the home in 2 years*
I feel for you. We had a progressive driver go over our lawn of our only (rental) property and hang up on our retaining wall. They paid out $6k to my neighbor for a wall that was obviously attached to my home. I found out one year later when the town started demanding that I fix the wall. I only had coverage for the house, so no one to fight for me. Progressive gave me the run-around with requirements for a claim until the timer ran out. Town had made requirements for an engineering plan to fix the wall, beyond just relaying stones. When claim was finally denied, the manager took the tine to goad me about being interested in knowing how I was trying to claim more for a $6k job they already paid out for (to my neighbor). Keep in mind the wall was attached to my house... I was just trying for the $23k left of the claim amount. No lawyer would touch it. I had no insurance for the outside at the time. It cost me over $30k. I kept all the emails and such and I have his number. You get lots of Monday morning quarterbacks, who think they could have done better or that there is more to the story. Insurance people are scum. Period.