Legal Question in Civil Litigation in Missouri

My son turned driving age,passed his missouri drivers test and get this he does not drive a vehicle.My insurance company sent me a letter stated that he was added to our existing policy and the amount of increase that would incure.Talking to them in a phone conversation about the fact they took it on their own ( more premium money to collect ) to add a person from our household i was not in agreement so theirfore cancelled with them and went to another company.When they returned the amount due ( policy still had 3months left ) they continue to charge for son who does not drive.I chose not to add him on our policy because he does not drive.Is there a law stating that the insurance company has this right to add him.I don't even know which of our 4 vehicles he has been rated on.Should i be receiving my full amount without this extra they have added on.They may be upset with my terminating this policy but i feel my rights were taken away from me.

THANKS

cfc


Asked on 9/13/10, 8:43 am

1 Answer from Attorneys
Spencer Farris The S.E. Farris Law Firm

Recently went through this myself, and your experience is similar to mine. In Missouri, anyone in your household who drives, unless specifically excluded, is covered under your policy. I can't imagine an insurance company writing your family for coverage and NOT collecting a premium for your son. He can legally drive and if he drives a friend's car, it falls under your coverage. You certainly don't want him being subjected to a judgment and not having coverage, or losing his license for driving one time uninsured.

That being said, different companies rate these things differently. Check around for rates. If you insure him on ANY car, he is covered when he drives all of them if he is a named insured on the policy, so the insurance company will consider it that way. You may want to consider taking one of your vehicles to a different company with him as primary driver and checking rates.

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Answered on 9/28/10, 1:46 pm


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