State Farm is dropping our insurance for son’s driving record,

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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: Apr 26, 2012

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Insurance Question from North Shore, LA

Asked on 04/26/2012

State Farm is dropping our insurance for son’s driving record, the last incident that caused this was when someone intentially ran into him, she was arrested but but because of the lenght of time our attorney told us to have it fixed under our insurance which we did. We have supplied all of the police reports etc. Can we be dropped when he was not at fault?

Answer given on April 29, 2012

Auto insurance companies use driving records, losses and other factors when determing whether to continue to insure a driver or not. If this accident was not at fault for your son, it is unlikely that this would be the reason your insurance company is dropping him as a driver. If he has had several accidents and tickets, an if he is a young driver, the insurance company may decide that this is the time to drop him from coverage.Talk to the adjuster and see if they were successful in getting reimbursement for the accident from the other insurance company. If so, ask your agent to find out why the company has decided to drop your son. If the company was unable to obtain reimbursement, then that would indicate that your son may have been partially at fault so the decision to drop him may have come from that incident, but ask them to outline their reasons for the decision.

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