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» Insurance » Auto Insurance policy: Excluded driver surcharge?
memberPosted by Mislead Devotion 7 views.

Auto Insurance policy: Excluded driver surcharge?


I have a PA auto policy with Titan Insurance (I'm high risk).
My original ID cards did not list an excluded driver, however, when I misplaced them and printed new ones from the website I found that my mother was listed as an Excluded driver.
(We are household residents.)

From what I understand, you must sign something in order to have an excluded driver. I don't remember signing anything when I got my policy (8/9/07), which if had it would have reflected on my original ID cards, and did not sign ANYTHING when I renewed (2/9/08).

IF they had ASKED me if I wanted to exclude my mother, I would have told them absolutely not. I have no problem with her driving my vehicle, and it would only hurt me, as she has such a clean driving record and high insurance score.

When I got my dec page for renewal (8/9/08) it listed "EXCLUDED DRIVER SURCHARGE." So they've been charging me?



I've called my agency and told them I would like to see the form where I excluded my mother.
I guess my question is, if they can't turn up the paper where I excluded her, and I was charged for the exclusion, what is my recourse?
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1 Comments :

member1 by Joey M 9 years ago.
I write insurance for Titan, and they have some weird rules on their policies. When I quote an auto policy with Titan, it will show me all the members of a household when I put the address in. You and your mother would be listed as licensed household members. On the application, it asks if there are any other licensed drivers in the household, and I'm guessing you said no. If you signed the application stating that no one else was to be covered on your policy, you excluded her.
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Tags : Auto*(2847), Insurance*(40306), Policy*(6510), Exclude*(52), Driver*(2457), Surcharge*(13)

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