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He now wants to put the car and insurance in my name. I already have insurance with geico! Will this work and if so what are the dangers of doing this? Thanks
Additional Details
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bradleighp | Can a car insurance company change there rate after a policy is paid for in full? |
Was quoted a rate which was agreed on and paid for in full proof of insurance was sent to my bank and car dealership. However, I had to back out of picking up my new car on sunday because I got a call from my insurance company late friday night with the end result of a new rate was 132% more than the negotiated rate the night before.
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C
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YES.
When you get a quote for your auto insurance, it is ONLY a quote, and subject to underwriting. You obviously need to pay in order to start coverage, but the rate shouldnt change unless there are points on yours or another drivers record which wasnt disclosed.
Now, if your agent made a mistake in the quoting and rated you in a way which he shouldnt have, then during the underwriting process, this could change your rate. You need to ask the agent WHY the rate changed, and get a valid explanation.
There is not much that can be done at this time. You need to either keep that policy at a higher rate, or switch to another company and get your money refunded for the time that you havent used it.
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jkrd156
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It seems that the initial quote was based on the information they had at the time. If they found additional information, they can adjust the rate with the risk that they are taking. For instance, if they found a ticket or previous claim from a few years ago that you forgot about, or a credit report shows something negative. If the neighborhood that the car will be parked in is a hazard or you will be allowing poor risk drivers to drive the car. Even if you have a poor risk driver living with you they can raise the rate. Contact the agent, see why the rate went up and eliminate the risk factors! |
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mbrcatz
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Yes. That quote is based on the information you provide, and is subject to change if you misrepresented your credit score, driving history, or people in your household.
Car insurance rates aren't "negotiated". They're filed with the state insurance commissioner.
No doubt, the initial quote has been revised because 1. you had no prior coverage 2. your credit score wasn't that high or 3. there were additional drivers or driving issues.
It's ALWAYS subject to VERIFICATION of the information you provided them. |
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Olga *
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If you purchased it from Farmers Insurance company than yes. It happened to me too. The Agent told me that I misrepresented my driving record (I completely forgot about $200 claim that I had 5 years prior to that) and refused to honor the original price even when I reminded him that I specifically asked to confirm that the price was "final" before I gave him the check. Some Farmers Agents do not want to run your driving record (they are charged for it by the company) and wait till underwriters do it. I spoke to regional management and they refused to honor it as well. As far as I know 5-year old claim for such a small amount should not have been even considered. I also heard from another Farmers Agent that their pricing fluctuates on daily basis and not guaranteed till policy is issued even if nothing new was discovered by the underwriter. Definitely ask about the reason for the increase, request so called "letter of experience" and if they are giving you a bogus reason complain to the State Insurance Commissioner |
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satheesh
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From the information you have provided it is seen that you have paid the amount in full and a proof was send to the car dealer for the new car. The proof is not an insurance policy. So if the policy is not issued they can technically say like this. Morally it is bad. If possible find some other insurer and make a bargain. |
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modlegend
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no. if you have paid in full they cannot then change the rate.
the only possible reason they can do this, is if there is a change in the risk (eg. the vehicle or driver being insured) |
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Ursugardaddy
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no its paid in full |
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