Can an insurance agent change your policy without consent or notification?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 9, 2013

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Insurance Question from Jefferson, MA

Asked on 08/09/2013

Can an insurance agent change your policy without consent or notification? My fiances insurance agent added me as a driver to his policy without his consent, his knowledge, or him wanting to do so. This resulted in a higer premium by $700. I have my own car insruance for my vehicle. Is this legal?

Answer given on August 30, 2013

Before an insurance agent or company makes any changes to someone’s auto insurance they should discuss it with the policyholder. The agent should have spoken to your fiancé about adding you as a driver to his policy. Since you have your own insurance coverage, you do not need to be added to his policy. You simply need to provide the agent or company with the information on your insurance. Once this is done, your fiancé’s policy should be converted back to the way it was.It is common for insurance companies to add drivers to the policy if there is an additional driver in the household. The insurance company has the right to charge for the exposure of drivers in the household. However, if there is other insurance on the additional driver, then the insurance company should not add and make any charges for the new driver and their driving record.Have your fiancé talk to his insurance agent and have them correct the policy back. If there is a problem with this, make the agent explain why the added you, and why they did so without a conversation with your fiancé.

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