Switching auto insurance and new company is asking for the declaration page fro the previous insurer. Why would they need that?

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 14, 2016

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Insurance Question from Fort Worth, TX

Asked on 09/14/2016

Switching auto insurance and new company is asking for the declaration page fro the previous insurer. Why would they need that? My son is buying a house and coming off my auto policy onto his own - combining his home and auto. His auto coverage is to start 9/20/16 with another company. They are asking him to send the declaration page from his current company...which this would also include MY other three vehicles. Is there an issue with proving this to the new company?

Answer given on September 28, 2016

When applying for a new auto insurance policy, the new insurance company will want proof of previous insurance, so they can give the proper discount for having had car insurance. It is not unusual for an insurance company to ask for a copy of the previous policy. However, if your policy does not show him as a driver on the policy, there could be a problem with the discount and eligibility. See if then new company will have a problem with him not being named insured.Your son should talk to the new insurance agent or company and explain that he has been on your policy as a driver.Hopefully the insurance on his car was properly written. He would have needed to be shown as a named insured if the car was only in his name. If he was not named on the policy, hopefully you were on the title of his car at the time of the insurance. If not, there could have been a problem if he had been involved in a serious accident. Your current insurance agent or company should have been sure they understood the title and ownership of the car.

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