What a pain...
I moved to Colorado last year, the land of the high insurance rate. Because insurance was so high just for myself, I was the only one who had insurance. (We couldn't afford it for the two of us.) So I've been ferrying my husband around for a year.
Last July they dropped the "No Fault Law" and my insurance rates went down considerably. (Actually, they went up first, because the company tacked on a bunch of new policies. =P But I removed them.)
Shortly before this law change was announced, I got three letters from my insurance company that more or less stated, "We started snooping around and found that you're not alone in your household. Please sign these papers that say you understand that your husband is not insured to drive your car, blah blah blah."
It was about a paragraph in length, but that was the gist of it.
Since we can now afford insurance for the both of us, today he decided to call in to add himself as a driver to my car.
Lo and behold, the paper I signed prevents him from being listed on my insurance for the next three years. Did it say that anywhere on the paper I signed? Nope. What's the point of that anyway? Why would anybody want to put a ban on who they can list on their insurance policy?
So now it's going to take a MONTH (maybe - they'll "get back to us") for them to un-exclude him from my policy. I don't understand why it takes so long, and I don't understand how they can just have me agree to this rule without ever telling me what the rule actually is.
=P
Last July they dropped the "No Fault Law" and my insurance rates went down considerably. (Actually, they went up first, because the company tacked on a bunch of new policies. =P But I removed them.)
Shortly before this law change was announced, I got three letters from my insurance company that more or less stated, "We started snooping around and found that you're not alone in your household. Please sign these papers that say you understand that your husband is not insured to drive your car, blah blah blah."
It was about a paragraph in length, but that was the gist of it.
Since we can now afford insurance for the both of us, today he decided to call in to add himself as a driver to my car.
Lo and behold, the paper I signed prevents him from being listed on my insurance for the next three years. Did it say that anywhere on the paper I signed? Nope. What's the point of that anyway? Why would anybody want to put a ban on who they can list on their insurance policy?
So now it's going to take a MONTH (maybe - they'll "get back to us") for them to un-exclude him from my policy. I don't understand why it takes so long, and I don't understand how they can just have me agree to this rule without ever telling me what the rule actually is.
=P