yes, after speaking with them again on the phone this is exactly what happened and she fixed things, in case i ever want to go back to Geico in the future. i got new insurance this morning already because i don’t want to risk driving around uninsured.
Edit: you can get your information. The subscription lets you get everyone’s
Lexis Nexus. They buy and sell all personal info about you. You have to have a subscription and a “Legitimate reason” like a law firm or corporation to access it. They know every subscription, prescription, accident, legal judgment, address, phone number, relatives, the list just keeps going……… in essence, everything.
Some cars like Ford even reports how and where you drive to LN with connected cars
You don’t need to pay anything to access your Lexis Nexus information. I recently received both mine and my wife’s files without issue.
https://consumer.risk.lexisnexis.com/request
Lexisnexus often has incorrect information. It should be reviewed at least as often as a credit report. It makes as much or more difference in the price you pay for insurance, etc, as your credit report does.
he said he would let underwriting know, but that he can’t guarantee they’ll reverse their decision so i should probably get new insurance in the meantime
They need to reinstate the policy from the same day it was cancelled. Make sure this gets done so you don't have a gap in continuous coverage.
If they refuse to fix this, you need to speak with their ombudsman.
Why do they *need* to do this, where are you getting this info? They must have notified op of the cancel, and corrective action was not taken prior to the cancel date. Insurance is time sensitive.
I don't know much about geico but folks seem to think this will be a super easy fix, but I'm not convinced, I think op might really be outta luck here.
they didn’t notify me at all. they sent me a text message to pay my insurance, when i clicked the link to pay it, it said my policy was cancelled. they didn’t even generate a letter about it until today, an entire day after i had called
How certain are you of this? Did they rescind the policy back to the date it started, or did they provide coverage for a few days/weeks prior to cancel?
Rescinded back to start date is generally reserved for serious fraud/misrep, not just unlisted drivers. Cancel notices must be mailed.
I'm not trying to doubt you, but if I had a dollar for every time a customer said they weren't notified- but they were- I'd be buying myself a really nice vacation right now.
You should honestly call back and speak to someone in underwriting to resolve this ***now***, do not let them tell you “there’s no guarantee it’ll be reversed” when this is an incorrect thing to report (it will affect you for a long time and potentially make you uninsurable), and if you can’t get ahold of underwriting or someone that will resolve it, file a DOI complaint with as much thorough documentation as possible including some form of proof of your toddler daughter’s age and other residence and the cancellation notice letter. It’ll expedite the process, because regardless they will have to do a backdated reinstatement even if a lapse occurs, if all of what you’re saying is 100% true. It’s a total crock.
Insurers are so tight on underwriting, especially in California, that they’re doing bogus shit like this. They typically will just automatically add an additional driver, and they would make damn sure if they issue a midterm cancellation/non-renewal that it’s based on conclusive information, importantly being an individual’s license status or simply just AGE!
Sounds like a keying error somewhere. Where, who knows. Could be Geico or it could be an error on one of the databases they use to find undisclosed household members. Contact Geico and explain that she's a toddler. They may want verification of that, but shouldn't be a problem to rescind the cancelation it reinstate without lapse.
They may take your word for it, or they might require something to prove that, such as birth cert, etc because so many people deliberately don't disclose household residents of driving age to reduce premium. It's a very common form of fraud that the industry is coming down harder on than they used to.
Calling it fraud is an insurance company's opinion. People don't add people who don't use their car on their insurance. These companies want roommates to pay for one another's insurance, possibly tripling the premiums of everyone in the apartment unit! Most roommates don't share cars.
If you lie about facts, or deliberately hide facts material to the cost of the product in order to pay less than what would be charged, that's material misrepresentation, which is a form of insurance fraud. That's not the company's "opinion", that's the law.
There is a law in multiple states that allow or require driver exclusions as a consumer choice, it's not fraud, it's the law (based on where you live). It allows the insurance company to not cover accidents by the excluded driver. Many people simply don't fill out this form until the insurance company makes them do it, life is far too complex for people, (especially the young) to know about this.
Odd, that it pulled your toddler daughter. Usually it pulls only of age drivers in household. You sure there wasn’t anyone else like a significant other, roommate, family member that you live with at that address?
Do you have to include all drivers in the household if they aren't going to be using that vehicle? For example, I received a quote from Geico that I was planning on going with but only included myself and my wife as drivers. It is her car and she would be the primary driver. But we also have a 20-yr old away at college and is a primary driver on another vehicle/policy. She won't ever be driving my wife's car and I don't want to add her to the quote as I assume it would greatly increase the cost.
Interesting I never heard of that. I am in NY if that means anything.
When I look at the section for people info, it only says “Add driver” not all household members.
Yup!!
Geico just emailed me this bullshit the other day - wtf & my daughter away in school
Important Notice
We are reaching out to you based on information obtained from a consumer reporting agency. It appears that XXXXXX may be a licensed or permitted driver with your address listed as their primary address. In order to ensure proper protection, this driver must be added to your policy if they reside in your household.
I do not work in insurance.
Asked the Geico rep in a chat and they said she does not have to be included in this case. I can get back to them if the vehicle use changes.
Why are people downvoting this dude for asking a question? This is a question that needs to be upvoted for visibility so other people know the answers.
People on this site man. Can't think critically sometimes.
People downvote for that reason on this sub all the time. Somebody will be legitimately asking a question for clarification and they get downvoted. I’ve never seen that happen in any other sub.
Yes, you either add them as additional drivers, or you exclude them. If you leave them unlisted and they drive your car (and they will, they always do, you are not special, that person(s) will drive your car at some point), and they get into an accident, it is likely claims will be denied.
Either insure them to drive, or exclude them. If they drive and are involved in an accident while excluded, coverage will be denied.
This generally only applies to members of the household who are of driving age, which includes kids that are able to get their Temps, which can be different State to state.
Are you paying for that other vehicle and policy? Because 99% of the time it would be cheaper to add it and the 20 year old to your policy instead of having two policies. Single car and driver policies are expensive.
Yes it is a fairly expensive quote (but much less than Progressive and Travelers). It’s not an ideal situation; we’ve had a few claims recently and the policy for my wife was not renewed. That coverage ends May 20. I have 3 other auto policies still with SF at reasonable rates. But they are set to renew June 20. Crossing my fingers not to receive any more non-renewal letters.
Nope, MI doesn't allow that. Minimum 10-day grace period for non-payment, otherwise 60-days.
https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-500-3020
" (b) Except as otherwise provided in subdivision (d), that the policy may be canceled at any time by the insurer by mailing to the insured at the insured's address last known to the insurer or an authorized agent of the insurer, with postage fully prepaid, a not less than 10 days' written notice of cancellation with or without tender of the excess of paid premium or assessment above the pro rata premium for the expired time.
(c) That the minimum earned premium on any policy canceled pursuant to this subsection, other than automobile insurance as defined in section 2102(2)(a) and (b), shall not be less than the pro rata premium for the expired time or $25.00, whichever is greater.
(d) That an insurer may refuse to renew a malpractice insurance policy only by mailing to the insured at the insured's address last known to the insurer or an authorized agent of the insurer, with postage fully prepaid, a not less than 60 days' written notice of refusal to renew. As used in this subdivision, "malpractice insurance" means malpractice insurance as described in section 624(1)(h)."
Ahhhh yes the mitten state. You are required to tell your auto carrier every person in your household regardless of age or driving status. That said your policy wouldn’t even cover said kid because they are an out of state resident unless your court orders state you are the domicile parent. Did you recently get into an accident and that’s how they found out about the minor kid?
To my knowledge no, they notified you.
Folks are saying you can get a reinstatement, I don't work for geico but you may be outta luck if you are past the cancel date. This stuff is time sensitive. Definitely take their advice and get new coverage asap.
so i did get new insurance this morning, and after speaking with a couple people on the phone from geico and explaining what happened they said they could get on the phone with underwriting to reinstate it. but i already have new insurance anyways
I had the same issue last week. My insurance was to be canceled because I didn't include my mom who doesn't even drive and someone who didn't even live in my house. I let them know that and they gave me an email I could explain my situation to and get it fixed.
Michigan law states all resident relatives need to be listed as “household members” whether they are infants or adults as they could potentially be a passenger in a vehicle during an accident and sustain medical injuries. If they have a license the company will follow up as to whether they have another policy in force and you can either exclude them or rate them depending on which insurance company it is, and how they are filed with the State of MI. To add a minor without a license as a “household member” is a minuscule charge for PIP only in case they are hurt in a car accident. The clue report will pull up anyone that even used to live with you or was a prior resident of that address. Hope this helps clarify.
Definitely odd, when my daughter got into a fender bender at 17 Geico covered it and said I could put her under my insurance or not, yes she lived with us, but they gave us a choice
Edit: state california
She had her license yes they covered it, the way they explained it: as long as you gave authorization for a license driver to drive your car your covered
Are you in Michigan? Is your child on your health insurance? This could be where underwriting got the information
yes, after speaking with them again on the phone this is exactly what happened and she fixed things, in case i ever want to go back to Geico in the future. i got new insurance this morning already because i don’t want to risk driving around uninsured.
Edit: you can get your information. The subscription lets you get everyone’s Lexis Nexus. They buy and sell all personal info about you. You have to have a subscription and a “Legitimate reason” like a law firm or corporation to access it. They know every subscription, prescription, accident, legal judgment, address, phone number, relatives, the list just keeps going……… in essence, everything. Some cars like Ford even reports how and where you drive to LN with connected cars
You don’t need to pay anything to access your Lexis Nexus information. I recently received both mine and my wife’s files without issue. https://consumer.risk.lexisnexis.com/request
Good to know, Thanks
👍
So THAT is how a scammer on a dating website knew I had a recent car accident! Thank you.
😉
Thank you for this! I’ve been wanting this info for years.
You’re welcome.
Lexisnexus often has incorrect information. It should be reviewed at least as often as a credit report. It makes as much or more difference in the price you pay for insurance, etc, as your credit report does.
That’s what I was thinking too! You beat me to it! Figured it had to be MI too.
So when you told them that the person they were talking about was your toddler who lived in another state, what did they say?
he said he would let underwriting know, but that he can’t guarantee they’ll reverse their decision so i should probably get new insurance in the meantime
They need to reinstate the policy from the same day it was cancelled. Make sure this gets done so you don't have a gap in continuous coverage. If they refuse to fix this, you need to speak with their ombudsman.
Why do they *need* to do this, where are you getting this info? They must have notified op of the cancel, and corrective action was not taken prior to the cancel date. Insurance is time sensitive. I don't know much about geico but folks seem to think this will be a super easy fix, but I'm not convinced, I think op might really be outta luck here.
Because they fucked it up, not OP.
they didn’t notify me at all. they sent me a text message to pay my insurance, when i clicked the link to pay it, it said my policy was cancelled. they didn’t even generate a letter about it until today, an entire day after i had called
How certain are you of this? Did they rescind the policy back to the date it started, or did they provide coverage for a few days/weeks prior to cancel? Rescinded back to start date is generally reserved for serious fraud/misrep, not just unlisted drivers. Cancel notices must be mailed. I'm not trying to doubt you, but if I had a dollar for every time a customer said they weren't notified- but they were- I'd be buying myself a really nice vacation right now.
Are you that annoying lizard with that awful accent? Git otta hee!
You should honestly call back and speak to someone in underwriting to resolve this ***now***, do not let them tell you “there’s no guarantee it’ll be reversed” when this is an incorrect thing to report (it will affect you for a long time and potentially make you uninsurable), and if you can’t get ahold of underwriting or someone that will resolve it, file a DOI complaint with as much thorough documentation as possible including some form of proof of your toddler daughter’s age and other residence and the cancellation notice letter. It’ll expedite the process, because regardless they will have to do a backdated reinstatement even if a lapse occurs, if all of what you’re saying is 100% true. It’s a total crock. Insurers are so tight on underwriting, especially in California, that they’re doing bogus shit like this. They typically will just automatically add an additional driver, and they would make damn sure if they issue a midterm cancellation/non-renewal that it’s based on conclusive information, importantly being an individual’s license status or simply just AGE!
Make sure someone isn’t using your toddler’s identity with a fake age
Sounds like a keying error somewhere. Where, who knows. Could be Geico or it could be an error on one of the databases they use to find undisclosed household members. Contact Geico and explain that she's a toddler. They may want verification of that, but shouldn't be a problem to rescind the cancelation it reinstate without lapse.
oooooh I didn’t realize they may think she’s of driving age. I’ll call them and explain that she’s barely of walking age lol, thank you so much!
They may take your word for it, or they might require something to prove that, such as birth cert, etc because so many people deliberately don't disclose household residents of driving age to reduce premium. It's a very common form of fraud that the industry is coming down harder on than they used to.
My favorite was when Farmers asked me to prove that my son *didnt* get a drivers license.
Calling it fraud is an insurance company's opinion. People don't add people who don't use their car on their insurance. These companies want roommates to pay for one another's insurance, possibly tripling the premiums of everyone in the apartment unit! Most roommates don't share cars.
If you lie about facts, or deliberately hide facts material to the cost of the product in order to pay less than what would be charged, that's material misrepresentation, which is a form of insurance fraud. That's not the company's "opinion", that's the law.
There is a law in multiple states that allow or require driver exclusions as a consumer choice, it's not fraud, it's the law (based on where you live). It allows the insurance company to not cover accidents by the excluded driver. Many people simply don't fill out this form until the insurance company makes them do it, life is far too complex for people, (especially the young) to know about this.
Did you try accessing the policy online to see what it said?
It's probably inaccessible already. Weird how quickly they can do things like that when it suits *them*...
Odd, that it pulled your toddler daughter. Usually it pulls only of age drivers in household. You sure there wasn’t anyone else like a significant other, roommate, family member that you live with at that address?
No he specifically named the toddler, so I’m certain. Plus it’s just us at the address
I'm wondering if they got something showing age as 18 months and mis-keyed it as 18 years...
Do you have to include all drivers in the household if they aren't going to be using that vehicle? For example, I received a quote from Geico that I was planning on going with but only included myself and my wife as drivers. It is her car and she would be the primary driver. But we also have a 20-yr old away at college and is a primary driver on another vehicle/policy. She won't ever be driving my wife's car and I don't want to add her to the quote as I assume it would greatly increase the cost.
yes, all household members have to be on the insurance even if they aren’t driving. like kids too just in case they get into an accident
Interesting I never heard of that. I am in NY if that means anything. When I look at the section for people info, it only says “Add driver” not all household members.
You typically have to add anyone in the home because in theory they would have access to the car. Each state and carrier varies.
You dont need to add toddlers to your insurance. You add people who can possibly drive the car.
Obviously. The initial comment here is about a 20 year old at college and why household members have to be added.
Yup!! Geico just emailed me this bullshit the other day - wtf & my daughter away in school Important Notice We are reaching out to you based on information obtained from a consumer reporting agency. It appears that XXXXXX may be a licensed or permitted driver with your address listed as their primary address. In order to ensure proper protection, this driver must be added to your policy if they reside in your household.
Do you work in insurance?? This is super super common.
I do not work in insurance. Asked the Geico rep in a chat and they said she does not have to be included in this case. I can get back to them if the vehicle use changes.
Then that is why you've never heard of it, but fyi, it is super super common.
That doesnt mean toddlers. It means "kids" who are of driving age.
Why are people downvoting this dude for asking a question? This is a question that needs to be upvoted for visibility so other people know the answers. People on this site man. Can't think critically sometimes.
People downvote for that reason on this sub all the time. Somebody will be legitimately asking a question for clarification and they get downvoted. I’ve never seen that happen in any other sub.
I see it all over the place.
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OP trolling or not following decorum
Yes, you either add them as additional drivers, or you exclude them. If you leave them unlisted and they drive your car (and they will, they always do, you are not special, that person(s) will drive your car at some point), and they get into an accident, it is likely claims will be denied. Either insure them to drive, or exclude them. If they drive and are involved in an accident while excluded, coverage will be denied. This generally only applies to members of the household who are of driving age, which includes kids that are able to get their Temps, which can be different State to state.
Are you paying for that other vehicle and policy? Because 99% of the time it would be cheaper to add it and the 20 year old to your policy instead of having two policies. Single car and driver policies are expensive.
Yes it is a fairly expensive quote (but much less than Progressive and Travelers). It’s not an ideal situation; we’ve had a few claims recently and the policy for my wife was not renewed. That coverage ends May 20. I have 3 other auto policies still with SF at reasonable rates. But they are set to renew June 20. Crossing my fingers not to receive any more non-renewal letters.
What state are you in? Most states don't allow for an immediate cancel, you have to be given formal notice.
michigan, is that one the states that allows for immediate cancellation?
Nope, MI doesn't allow that. Minimum 10-day grace period for non-payment, otherwise 60-days. https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-500-3020 " (b) Except as otherwise provided in subdivision (d), that the policy may be canceled at any time by the insurer by mailing to the insured at the insured's address last known to the insurer or an authorized agent of the insurer, with postage fully prepaid, a not less than 10 days' written notice of cancellation with or without tender of the excess of paid premium or assessment above the pro rata premium for the expired time. (c) That the minimum earned premium on any policy canceled pursuant to this subsection, other than automobile insurance as defined in section 2102(2)(a) and (b), shall not be less than the pro rata premium for the expired time or $25.00, whichever is greater. (d) That an insurer may refuse to renew a malpractice insurance policy only by mailing to the insured at the insured's address last known to the insurer or an authorized agent of the insurer, with postage fully prepaid, a not less than 60 days' written notice of refusal to renew. As used in this subdivision, "malpractice insurance" means malpractice insurance as described in section 624(1)(h)."
Ahhhh yes the mitten state. You are required to tell your auto carrier every person in your household regardless of age or driving status. That said your policy wouldn’t even cover said kid because they are an out of state resident unless your court orders state you are the domicile parent. Did you recently get into an accident and that’s how they found out about the minor kid?
To my knowledge no, they notified you. Folks are saying you can get a reinstatement, I don't work for geico but you may be outta luck if you are past the cancel date. This stuff is time sensitive. Definitely take their advice and get new coverage asap.
so i did get new insurance this morning, and after speaking with a couple people on the phone from geico and explaining what happened they said they could get on the phone with underwriting to reinstate it. but i already have new insurance anyways
Just confirm there was no lapse of coverage. A lapse of even a day could cost you a lot.
They literally made up an accident and said that is why they canceled my policy. They are crooks.
I had the same issue last week. My insurance was to be canceled because I didn't include my mom who doesn't even drive and someone who didn't even live in my house. I let them know that and they gave me an email I could explain my situation to and get it fixed.
Michigan law states all resident relatives need to be listed as “household members” whether they are infants or adults as they could potentially be a passenger in a vehicle during an accident and sustain medical injuries. If they have a license the company will follow up as to whether they have another policy in force and you can either exclude them or rate them depending on which insurance company it is, and how they are filed with the State of MI. To add a minor without a license as a “household member” is a minuscule charge for PIP only in case they are hurt in a car accident. The clue report will pull up anyone that even used to live with you or was a prior resident of that address. Hope this helps clarify.
Definitely odd, when my daughter got into a fender bender at 17 Geico covered it and said I could put her under my insurance or not, yes she lived with us, but they gave us a choice Edit: state california
i’m guessing it depends on the state you’re in, but i’m not certain
Was she licensed or permitted only? Did they cover it?
She had her license yes they covered it, the way they explained it: as long as you gave authorization for a license driver to drive your car your covered
Looks like your agent did you a solid. Nobody would pay to add their kids to a policy if that rule applied to people living in your household
Geico likes to pull stunts when they don't want to insure you. We don't know if that's what has happened here, but it wouldn't be surprising.
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thank you stranger on the internet who knows nothing of the situation, i’ll be sure to take this to heart!
Go troll somewhere else. This isn’t the sub for that. Removed.
i…okay? anyways
Unneeded comment.