Do I need to pay the insurance company for a policy I didn’t have?

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Do I need to pay the insurance company for a policy I didn’t have?

I had spoken to my agent about the possibility of adding coverage to my GL

insurance. I never signed any papers starting my policy but apparently my agent went ahead and started coverage. ince I didn’t know it was active I never paid on it. Since my former agent never had a signed agreement with me, do I until need to pay for the coverage I didn’t want?

Asked on March 10, 2016 under Insurance Law, Indiana

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

No, if you never signed up the coverage with the insurer and never directed the agent to procure it for you, you would not be liable for the cost. If the agent acted without your authority to institute coverage, he or she would be liable for any premiums.


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