manningthehelm

manningthehelm t1_jd3s46y wrote

Reply to Car Insurance Not Renewing My Policy Unless I List BF & His Parent As Drivers by Inner_Parsley7691

I am a licensed agent, with experience in underwriting, state compliance, worked as a claim adjuster and now I supervise complaints to the state DOBI and our compliance record.

If they say you must add them if they have regular access to your car, this sounds like an underwriting guideline (like a rule) the carrier has, it was already approved by the state and no complaint will change that. Now it might not make sense to you or me, but if they have it, that’s it.

From a reasonable underwriting standpoint: If they maintain own insurance, they do not need to be added to your policy as they already have primary coverage and Progressive should not demand you pay primary coverage on someone whom already has it. If they do, while a weird choice, you have to do it or get other insurance.

For instance your boyfriend. Does he have his own insurance? If so, he doesn’t need to be added. If he is covered under his parents’ policy, who you said do not live with you, he may not actually be “covered.” Some carriers require covered drivers to live at the same address, with some exceptions like college or deployment and this MIGHT be why they are requiring you to add him.

Regarding the PIP, his policy covers him in your car. NJ PIP coverage follows the insured from their own policy, if they have one. It’s not extended from the person’s car they sit inside.

Depending on your age there might be other carriers that offer you better rates. This subreddit has tons of posts about insurance companies like GEICO, USAA, NJM, Liberty Mutual, etc.

Post on r/Insurance for more input but make sure you include the state in your post as different states have different rules.

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