You would sue? Wow, that could be extremely expensive. You obviously know a lot about the law though. How much do you foresee you would win in damages?? Personally, I would just report the matter to the insurance council and take my business to another company.
@@MN-pu6qx -- Generally, I agree with your sentiment. That said, if I found that I had paid additional premiums for the unauthorized addition, I would ask for a refund, and if it was denied, I would file in small-claims court and try to recoup the amount, even if nominal. (It would cost them more to defend than to pay, and perhaps this would become an incentive to stop playing such games.)
@TheRealScooterGuy I was assuming I had identified the increase prior to my paying it. If I had paid it and the company refused to refund, yes I would also pursue it through a small claims tribunal or the like.
It would be nice, but the insurance company is counting on the fact that they have more and better lawyers. They're also counting on the fact that the next company you try to go to will do the same thing. The Mafia is more honest and fair than these guys.
@@valeriestevens5250right?! Gotta love the double standards. If someone stole groceries or took money from someone they would go to jail. If large corporations do it they call it rent & business. If you messed up even accidentally on any sort of papers. You get charged as a criminal. Banned for life probably. I imagine 😅lol. Companies do it it’s ok. 👌🏼
Yes, I definitely remember and have read about the Wells Fargo scam. I forget how much they were fined and I think they’ve gotten into more trouble since then.
That was the first thing that jumped into my mind too. Find the person who added the name to the policy and determine how much was paid in commissions. That person should be criminally charged and Progressive should be taken to civil court.
Of course, it is illegal the insurance company has no proof in most cases who is a full-time resident in your home and unless there is a clause in your policy you can't lend your vehicle to anyone it should not matter.
My concern is item #2 on the form the guy had to fill out at 3:24. I'm fairly certain he's not required to list ALL adults in the house on his insurance. That makes no sense.
This is just another scam. By this logic, you could have 4 college students with 4 vehicles and sharing a house, each being charged with 3 extra people on their insurance.
Right. Or people who live in a house with illegal apartments so the address appears the same but technically they are in separate units. I lived in a basement apartment. I did not have my own mailbox and had to share with the first floor tenant. It was dumb.
Exactly! Or their neighbors too, just simply due to their proximity to the vehicle. The news caster mentioned even previous homes were attached to this third parties findings. Fraud is fraud no matter how you slice it.
b y the same logic, a college student with three roommates who lets them use his/her car should get charged for the additional time the car is on the road.
"Lost premiums" is such an entitled thing to say. Just because someone is in the vicinity of a vehicle doesn't mean the insurance company is entitled to their money.
Right, just because someone else lives in your house doesn't mean they drive your car. Auto insurance companies shouldn't be allowed to charge you for because they ASSUME other people drive your car.
Or even as the story eluded to , the scapegoat for Progressive ( the third party ) even searched old addresses. Lets see! Sell your house or move out of an apartment and all of a sudden the new resident is magically on your policy. Yeah , nothing fraudulent here to see folks.
I LOVE the fact that they make the error, but the onus is always on the customer to fix the problem. Spending their time, effort and often their own money to get it sorted out. What a scam!
Reminds me of the early days of identity theft, some authority allows someone to use your identity to defraud you, but it's your problem to get it fixed. Let me suggest they didn't get around to fixing things until banks could be assured that no one could use this as an excuse to not pay a bill rather than them allowing it to happen in the first place. It's still only halfway fixed with banks grudgingly adding security measures many years later.
They need to be reported to the federal trade commission for corruption. They’re thieves. I can’t believe what those stupid scammers did to me. For 10 years they got away with overcharging me by a lot. You know why? Because I called progressive direct that’s why they put the screws to me. They suck.!
I KNOW SOMEONE WHO WAS A VICE PRINCIPAL for a high school. He told me a few years ago, a licensed private investigator called the school requesting a list of names of all current students and their gender and addresses. The call was forwarded to him. He asked what for and they told him it was a private business matter. So he told them he did not care what the reason was and that they should go pound sand. The private investigator continued to call so they got his license number to check and he was infact from a licensed agency in the state and was licensed. After that, an attorney's office contacted the school by mail then phone demanding compliance. So he called the cops. Told the police they were trying to get the students names and addresses and they do not need them for any purpose. The police investigated and told him that the private investigator and attorney were working for a third party agency looking to get the data to give it to Progressive so they can use it to check it against current policyholders and see if some have teens in the house they did not report. I can't make this stuff up, folks.
Now that's gone digital, so you'll never know where these companies got the information from: it's worth "kash". Someone with access in the HS, the govt. , the Union, all can grab the infor. and sell it. OR someone who just is able to get past the poor security.
@@DwightStJohn-t7y This is why I’m glad I live in EU where GDP is protecting our privacy. A company trying this in a EU country would get very hefty fines. You can contact any company, organization or governmental departments and demand that they send you everything they have on file on you. Not scrubbing personal data can be very costly for a company!
This happens in California too. A friend of mine had moved his elderly, dementia-ridden father into his house and listed his dad as a non-driving resident on his Progressive policy. Months later, the insurance rate tripled....why? Because Progressive took it upon themselves to change the policy and list the 90-year-old father as a driver. He canceled the Progressive policy that day.
And state legislatures and Insurance regulators allow them to do it without recourse. If it cost them a few hundred thousand dollars when they were wrong they might not be so inclined to do it.
I would like to see the make nation wide news and see Progressive tank for their perpetuating fraud. They can blame the third party all they want. But they hired them for this specific reason.
My wife (RIH) had MS and was bedridden and could not move unless I moved her, yet an insurance company told me that since she was in the household, there was a chance that she could drive my vehicle. I told them of her condition, and they told me to have her doctors to send them documentation to prove her condition. I’ve never cussed out a person so much that I even impressed myself!
My parents went through this nightmare with FARMERS insurance. Their agent said bc I live there too I potentially have "access" to their cars & started charging my parents $250/mo for me. I was so angry I personally went to their location. The agent didn't care, told me that he couldn't take me off their account & then later tried to say I needed to show him proof of insurance. Agents don't care they just want money 💰💰💰 Btw I'm 35 with my own insurance driving an almost 20 yr old car.
Yeah they can't do that & you report them to the BBB & Federal Government! Then sue them for improper approval& denials of claims & charge them for the $ lost and find a different agent!
all you have to do is exclude any other legal drivers that live with you. that solves it. or by default, the insurance co can exclude them on your policy. adding a premium should be fraud and illegal! no excuse!
It's all a matter of contracts. Every insurance company requires every person of driving age to be listed on a policy whether it's as a rated or an excluded driver. That agent was absolutely correct.
Insurance practice this scam to increase then make you swear on there's no additional driver that's ridiculous. Basically, it is a fraud from the insurance side and government allow it.
Insurance industry basically wrote the law. Can make such demands, but they'll go nowhere. It's a civil matter. Good luck suing an insurance company over that. Plus paying huge legal fees along the way, since it's highly unlikely any attorney would take it pro bono. As the other mentioned, DAs file charges, not the victim.
It doesn't matter who lives with you in the house. Just because you have people living with you doesn't mean that they just get to put them on your policy.
The assumption that just because someone share your address means they'll drive your car at some point is rubbish. I've been married over 30 years and my husband has never driven my car.
Fraud reversed is still fraud. Reasonable thinking goes to wondering how many people just assume it’s a normal rate increase versus them being scammed and just pay it.
It happens in Arkansas as well. My son relocated for school, when he went to renew his insurance they had a 54 year old man added to his insurance, had been on it for months. When we called the insurance company said they got a notification that a new person moved into his address, instead of calling to verify they added the driver on a 22 year olds insurance policy.
@ His driving record was garbage. It was also with Progressive and they weren’t apologia about the matter either, it increased his premium an additional $670. We had to declare he didn’t know the man, den was told if he causes any accidents or wouldn’t be covered.
They wanted me to have my mom on the insurance for my manual transmission pickup truck because we lived in the same house, even though she owned two cars and couldn't drive stick. When I moved to my apartment, I ended up changing insurance companies because they refused to drop her even after I moved.
This is why my grandfather would order 6 to 12 live chickens and have them shipped to businesses that gave him trouble like this. The driver would not take back live shipments and the business was stuck with it. "You give me a head ache, I'm gonna give you a headache. Best $25 ever spent." He was a union teamster for Narraganset Beer back in the day and his playbook of revenge could be made into movie. He was famous for his "toothpick solution". But that's another story.
@@jimkelley8658 You take a toothpick and stick it in an important door lock, break off half of it, and then with the other end, push it further into the lock. This makes opening or closing a store or warehouse etc. impossible and they have to call a locksmith at a ridiculous hour, pay a lot of money, and you gum things up. Tuck Avery: "The big boss was furious this morning. He had to wait at the warehouse almost to midnight last night until a locksmith could fix the door and close up shop." Grandpa: "Really? /s" Tuck was also called "Waffle--foot", but that's another story.
The legal system in America works on the premise of innocent until proven guilty. The insurance companies and other businesses are held to that standard of course as well and the Colorado state insurance commission needs to make sure they are held to that standard. Insurance companies, particularly car insurance which is required by law, should not be able to accuse and then bill based on unproven accusations. They must prove it first before they add charges. Let your representatives know that the Colorado isnsurance commisioner is not protecting you if anything like this happens to you.
This. They decided there was another driver and started charging him for it. Insurance companies need a reality check or more people are going to start playing Luigis Mansion on 3DS.
There's also the possibility that someone is using your address without actually living there as part of a mailing scam, and the insurance company's third party spy found this scammer's info and is assuming they live at the address as well.
I have a Jeep and filled out a form to see what Lexus Nexus info had about me. They sent a blank page, nothing from my Jeep goes to my insurance company.
First, I will say the "insurance industry" is as corrupt and dirty as they get....now for anyone that cares, the way to prevent this is to sign a document that guarantees YOU, and you alone, will be the sole operator of the vehicle! Trust me, they have the forms....
They're not saying there's fraudulent claim loss. They're saying individual drivers need their own policy for the same vehicle, and failing to do that is the same as losing money. Unrealized profit they call it. Absolutely idiotic.
@joshuahudson2170 Well, the DMV will match your info with a total stranger's info and make a request to your insurance company to add them as a driver to your vehicle. I use Progressive, and they were gouging me for almost two years before I saw a total stranger's name on my policy. That's why I said it's not the insurance company. It's the DMV that makes the request. Trust me on this. Been there, done that.
At my age my premium should be low, low, low. But because I have a Porsche no one but me ever is allowed to drive makes no difference because my 21 year old live with me it’s thru the roof. So before insurance companies complain about unclaimed premiums they need to consider these punitive overcharges.
Corporations seem to have become aware that, for the most part, they have the consumer over a barrel with the consumer having limited options. And they've become arrogant about it.
after my last divorce my auto insurance company wouldn't remove my ex or her car from my policy, they also wouldn't cancel the policy. The only way I got her removed was to move to stop paying them and to switch to another auto insurance company.
Same thing happened to my husband with his ex. They said, “you’ve already paid. So leave it alone until the next billing cycle. She got into an accident and they dropped him! He ended up paying extra for several years because of this.
Hidden Driver is NOT "lost premiums." You just don't assume some person "should" be on a policy for whatever broken reason. Other people will get their OWN insurance - I will Not Pay for someone else!
As someone who worked in car insurance this is quite common pay attention to any emails or mail that you receive from your car insurance company. They have to tell you when they've received information that someone is living in your household and driving your vehicle. If you do not tell them that you don't know the person they will add them to your policy. That being said if their like your kid that just got their license you're going to have to put them on the insurance.
I too just experienced this with Progressive Insurance. They added my Grandson whom hasn't lived here but uses my address. They cancelled my policy but I trusted to pay. Over $3000 dollars
They tried this with my son. Refused to remove driver and sent him to collections when he canceled and switched ins. Also Progressive. It was a total scam.
Just cause they live in same household doesn't mean that person will ever drive that vehicle this should be completely illegal no ifs,ands,or buts about it
You don’t even have to be in the household! When I was taking care of my elderly parents (keep in mind the doctors had revoked their driving privileges and I had ALL the keys!) the insurance company wouldn’t remove them from the vehicles. I was the ONLY one driving them around and the ONLY one with access to the keys. It wasn’t until the attorney said the agent had to provide a letter to the court explaining the reasoning behind refusing to remove them that SUDDENLY they didn’t have to be on the policy anymore. I was lucky that my parents didn’t make any arrangements for me to take care of them when they could no longer care for themselves and had to be court appointed.
I had progressive before, and something similar happen. They sent me a letter saying this person lived with me so should be added to my policy. I lived alone, so I just called and told them and they excluded that person from my policy and they didn’t charge me anything and that was the end of it.
An "ADD" report insisted that there was an additional driver named "Max" in my household. Because my dad, to avoid junk mail, used the name of my cat (Max) when buying things for me. And databases picked up on Max buying things to be shipped to my address and concluded that he also drove my car.
@@joshuahudson2170 A friend ran a credit report on him when I was buying a car from his dealership - Max had what was a mix of my credit and my Dad's! The cat was STELLAR! I tried to get Max out of the credit rating databases and couldn't! Max had to request it himself. The concept that they had somehow created a non-human entity with their data-scraping was beyond their grasp.
Not surprised that it’s Progressive. They dropped us as soon as we told them we would not list any other adults living in the house, both elderly and both non drivers.
Farmers did the same thing to me. They added a name to my insurance policy. I did my research and the person they named did not even have a driver's license..
What a scam! I lived with my brother for 2 yrs and we never used each other's cars but an insur comp can just assume we would or do bcuz we live together? What kind of BS is that?
Why not just inform/remind policy holders if a member of your household not listed on the policy you have no coverage in event of claim. That may keep people honest.
It's easier for the insurance companies to just make up a name and increase premiums; like the story says, it's up to the policy holder to prove nobody lives with them.
One more company added to my list thay I would never do business with. They need a class action lawsuit for their sketchy practices to scam their own paying insurers. And we need to see their insurers properly compensated for their scams
I had the same thing happen to me. Luckily, I caught it before my premium came due and had them removed before it cost me anything. It is ridiculous that it is on you to fill out a bunch of paperwork to prove and vouch that you don't know this person and have them removed. Like it's your fault someone tried to scam you. If I had caught it later they said I would have been stuck with paying that month's premium which is total BS. The person added to mine was 21, female, with 5 at fault accidents. Totally different last name, lived in a different state 1000 miles away, and had no connection to me or anyone I know in any way whatsoever. Her policy was going to cost me $850/month for full coverage on a brand new Lexus. Yeah, not gonna happen.
At one point we had one company car (insured for any licensed driver) and one older car we owned and insured. We also had 2 teenaged sons who NEVER even once drove our car. We also had a close friend and neighbor who worked for our insurance company. He knew without any doubt that they didn’t even moved our car from the driveway to the curb. It was reassuring to know that he knew exactly who drove what. Some people wondered why we drove a small older car while our sons drove a current model upscale car. Good reason: $$$$$.
Why have "FULL COVERAGE" ? It used to cover anybody over 21 whether they owned the car or not? I used to borrow a car and wasn't named on the insurance, i was told if anything happened, the insurance would cover me🤷♀️, even when the accident was not my fault.
In my estimation, you should inquire about insuring your vehicle with another company. Based on the fact that you’re the only driver of the only vehicle that you own, with good driving record, chances are you would be welcomed. Then you can tell progressive to take a hike. Someone told me years ago that if you were involved in an accident, if you immediately applied for insurance with another company and they asked you have you been responsible for an accident in the past, you could honestly say you weren’t responsible for an accident because at that point you will not have been charged with the responsibility. If you sign up with that insurance company and then get rid of the one currently ensuring you after the claim is paid, it may not affect your insurance cost. I don’t know if this ever would work but someone told me they did it and it did work. For every action there is an opposite and equal reaction and you saw that a few weeks ago.
Mr. Phan needs to check if this individual resides in the same building as he does or gated community. This happened to me and I was told that it was because she lives with me and I said no, we might live in the same building but I do not know who she is. so remove her ASAP.
I had received a letter if this one person lives with me. I said no I have no idea who this person is...perhaps it was a person who had rented this single family home before. They didn't add him.
@@spicybrown75 I'm glad to hear you got a call to verify. I unfortunately did not get the call and I pointed that out to them. I addressed this with them in June and found they still did not remove the additional driver and was asking for verification of their Driver's License as of this week which I can't give because I do not know the additional driver that was added to my policy. Again, I'm happy for you that you got the verification call. Have a wonderful Christmas & Peaceful New Year!
@@MultiKuulei oh I'm sorry to hear that! They sent a form to me to basically sign to vouch I don't know this Nathan person and mail it back to them. Like what this person in this video had to do.
An insurance company I dealt with made changes to my policy without telling me. When I called to question them I was accused of failing to disclose information. Fortunately I had scanned copies going back 10 years. Still waiting for an apology.
You have control over your policy in the app! Make sure to take pictures & print the changes & if anything happens after that file suit with the law & report it to the FBI!
I once worked for the entity contracted by the counties of my state to verify registered voters' living location. (i.e. You register to vote; we'd find your _exact_ living address to process the registration.) Your _exact_ location determines your voting district at various levels, as well as school district taxes, et.al. Sometimes it would change between the mailbox/end of driveway and the domicile. Those person-residence databases referenced in this story? They're more error than actuality, or were when I did work where it'd've been useful. _So many errors!_ Obvious errors! _And You're Telling Me a supposed Authority is Taking that BUNKUS At Face Value?!!_ Have you ever come across the term "paper street?" "Paper town?" "Paper zip code?" Well, _they've been digitized,_ and now exist within big databases of supposedly real reference information. ...Working for them was stressful. And might've been a bit traumatizing... I'm certainly getting unreasonably upset right now. Need to breathe and slow my heartbeat. It wasn't _all_ bad. I remember one voter registered their home as a rented storage unit. By law, you aren't _supposed_ to live in those. _But since they did,_ and I could find its location, they became successfully registered! I took disenfranchisement seriously. It was difficult to fix errors in our databases too... Mostly I couldn't. Won't get into _that_ story. *Hey.* You insurance company! Don't believe a company you contracted if they've got No QA/QC!!
I have the same problem too with Allstate insurance, they’ve charged me extra by put that person on my insurance. The ironic thing is that person hasn’t live in the house for years, they asked me to prove it which I can’t because I have no contact with that individual so I end up suck up that charged.
Seems to me this would be simple for the insurance company..... If a person's name is not on the policy and they have an accident there is no coverage. Why would they have to charge extra?
I'm with Standard Insurance in Dallas. I had to sign affidavits excluding 10 people who were previous residents of the house I bought in 2016 that were too dumb to officially change their address when they moved out prior to me buying the house.
If you think that is crazy, In Illinois, we have a rider on our auto insurance policies to cover accidents with uninsured or under-insured drivers. There is also a law that makes it illegal to drive WITHOUT insurance. Insurance companies have figured out a way to add horseshit charges to your policy to inflate it and they have lobbyists that work with the lawmakers to force you into the payments.
Progressive isn't the only one. My insurer sent me a notification that they were adding someone to my policy, "based on a consumer credit report." In that notification, they did not even disclose the name of the person they were adding, but it was only a few months after I moved to my current address, and I suspect that they found the name of a prior resident and thought the information was current. When I contacted the insurer, they told me the name of the person, and I told them that I had never heard of them. I was told that the other person would be removed from my account, and they were.
They need to get rid of the misconception that if the car is insured that anyone who driving is also insured. Just about the only thing the auto industry is good at raising prices and making sure California has the most.
Anyone driving your car with your permission is covered. You can exclude them if they have an accident. You can also exclude anyone you don't want covered.
Wait until all businesses start using AI and people are going to see a lot more of these types of charges, IMO. Medical, auto, renters, etc. And it will be up to the person being charged to prove their case, like this case.
There was a case in California where a lady (Darconte) had insurance with national General. She got into a at fault accident. They used the fact she had a non driving 14 year old in the home to deny the claim and retroactively cancel the policy. Insurance companies are really good at finding loopholes
My car is over 10 years old and I haven't had an accident in 30+ years, but my rates keep going up almost every 6 months! I seriously doubt the insurance companies are hurting as they have been getting tons of money from me for over 30 years without having to pay for anything I own.
My roommate JUST had this exact thing happen to him through Progressive. His car got totaled (not his fault), and he was dealing with insurance who kept charging him for a car he no longer owned. After getting hung up on over and over and dealing with no answers, one customer service agent let him know he’s actually been paying for some guy’s insurance who currently lives at an address my roomie lived at like 10 years ago. My roomie was obviously very confused about why they added some random guy to his insurance policy, and they said they “notified him through the app” 🙄 Make sure your addresses are updated with your insurance companies. Edit: we live in Indiana.
The ADDITIONAL DRIVER SCAM by insurance companies HAS TO STOP. At one point, there were two adult members in my household who were of driving age, but didn't have licenses or drive. The insurance company automatically added them to my policy. It took MONTHS of nasty correspondence to get them taken off. Another instance happened where a senior person voluntarily decided to no longer drive, but kept their license to use as ID. I'm STILL getting reamed on that one.
It's astounding that they can randomly add someone to your policy without having any evidence to support the idea that the person has any access to use the vehicle.
No he does n9t all he has to do is go online and exclude the driver & say he is the only driver on the policy. Someone obviously hacked their system I always verify my policy and who can & cannot be on it!!😊 You can change everything in the app!!😮
I do not live in Colorado and do not use Progressive, but this happen to me. My auto premium increased. I saw a added driver that I did not know. The driver was remove but my premium did not lower. I changed insurance companies. Check your policy frequently.
My father's car insurance a few years ago, started using a.i. to "enhance" their monitoring. which is why a 2 car family nobody in my family ever met was added in. and the insurance tried to add cost because the family was failing at paying.. because they were put into the wrong account. so neither my father or they got any notification until the late policy kicked in
Much ado about nothing. Like most states, Colorado insurance law allows policyholders to exclude coverage for a driver (known or unknown) under their policy and avoid a premium increase or cancellation or non-renewal. Exclude the driver and carry on...
You have no idea what you are talking about. It's a giant headache to correct. The policy holder has to prove it's false. Think about that. No call back, main agent always out of the office, numerous wasted trips and/or phone calls, copies for proof of residency, proof of PREVIOUS address, swearing you didn't get remarried and/or have no new girlfriend staying with you, endless excuses as to why progressive hasn't removed said person. Take your "much ado" and move on.
@@rmcook13Is this “driver exclusion form” available in all insurances companies? Is it typically signed at the inception of the policy? That headache the guy mentioned is very real and very annoying.
@@nea5149 It's available in Colorado and other states that allow it and can be implemented at policy inception and any point during the policy term thereafter, such as when additional driver discovery identifies a potentially undisclosed driver in the household as in this case. Because it's enforceable under the insurance code in states that allow it, any company that doesn't offer it is chasing away customers.
![Seungmin "그렇게, 천천히, 우리(As we are)" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/kAzmhLHePqU/mqdefault.jpg)
If you put a person on my policy without my consent, that's illegal. I will sue.
You would sue? Wow, that could be extremely expensive. You obviously know a lot about the law though. How much do you foresee you would win in damages?? Personally, I would just report the matter to the insurance council and take my business to another company.
@@MN-pu6qx -- Generally, I agree with your sentiment. That said, if I found that I had paid additional premiums for the unauthorized addition, I would ask for a refund, and if it was denied, I would file in small-claims court and try to recoup the amount, even if nominal. (It would cost them more to defend than to pay, and perhaps this would become an incentive to stop playing such games.)
@TheRealScooterGuy I was assuming I had identified the increase prior to my paying it. If I had paid it and the company refused to refund, yes I would also pursue it through a small claims tribunal or the like.
It would be nice, but the insurance company is counting on the fact that they have more and better lawyers. They're also counting on the fact that the next company you try to go to will do the same thing. The Mafia is more honest and fair than these guys.
“ I will sue ☝️🤓”
I don’t understand how this doesn’t meet the standard of fraud
It's only fraud if you or I do it. Not if a big insurance company does it. Then it's just an innocent, little, "Oops!"
@@valeriestevens5250 "mistakes were made"
@@valeriestevens5250right?! Gotta love the double standards. If someone stole groceries or took money from someone they would go to jail.
If large corporations do it they call it rent & business.
If you messed up even accidentally on any sort of papers. You get charged as a criminal. Banned for life probably. I imagine 😅lol. Companies do it it’s ok. 👌🏼
It is fraud
@@lewisbale1 literally but I guess if you’re big enough it’s allowed. SMH 🤦♀️
Sounds suspiciously like Wells Fargo Bank scandal. Remember? Bank employees adding accounts to customers’ bank accounts.
I remember that! Some of those accounts were overdraft accounts that no one asked to be opened
Yes, I definitely remember and have read about the Wells Fargo scam. I forget how much they were fined and I think they’ve gotten into more trouble since then.
@@janetpattison8474yes they have
Wells Fargo is a scam.
That was the first thing that jumped into my mind too. Find the person who added the name to the policy and determine how much was paid in commissions. That person should be criminally charged and Progressive should be taken to civil court.
That should be illegal.
Of course, it is illegal the insurance company has no proof in most cases who is a full-time resident in your home and unless there is a clause in your policy you can't lend your vehicle to anyone it should not matter.
If it is the insurance industry will just lobby/ bribe politicians to make it legal.
"Lost premiums" sounds like it's theft/illegal but if it was outside the law it's sure as sh!+ lawyers would be involved.
it is illegal ... the insurance company is committing insurance fraud.
My concern is item #2 on the form the guy had to fill out at 3:24. I'm fairly certain he's not required to list ALL adults in the house on his insurance. That makes no sense.
This is just another scam. By this logic, you could have 4 college students with 4 vehicles and sharing a house, each being charged with 3 extra people on their insurance.
Right. Or people who live in a house with illegal apartments so the address appears the same but technically they are in separate units. I lived in a basement apartment. I did not have my own mailbox and had to share with the first floor tenant. It was dumb.
Exactly! Or their neighbors too, just simply due to their proximity to the vehicle. The news caster mentioned even previous homes were attached to this third parties findings. Fraud is fraud no matter how you slice it.
b y the same logic, a college student with three roommates who lets them use his/her car should get charged for the additional time the car is on the road.
@@SL-lz9jr We'll all feel for those renting out or living in illegal apartments.
@@shelbynamels7948 Yes, that would need to be on your policy and cost you more.
"Lost premiums" is such an entitled thing to say. Just because someone is in the vicinity of a vehicle doesn't mean the insurance company is entitled to their money.
I lived in a home as a kid with like 6 vehicles. But there was no way I was driving any of those cars because everyone kept their keys like a hawk.
What if you have roommates? Are they adding them on the plan?😒
Right, this from a billion dollar business.
It makes so much in profit. This is just pure greed.
Right, just because someone else lives in your house doesn't mean they drive your car. Auto insurance companies shouldn't be allowed to charge you for because they ASSUME other people drive your car.
Or even as the story eluded to , the scapegoat for Progressive ( the third party ) even searched old addresses. Lets see! Sell your house or move out of an apartment and all of a sudden the new resident is magically on your policy. Yeah , nothing fraudulent here to see folks.
I LOVE the fact that they make the error, but the onus is always on the customer to fix the problem. Spending their time, effort and often their own money to get it sorted out. What a scam!
if it wasn't for local news watch dogs 90% of these cases would go unresolved
The goal is to make it so difficult you give up.
Reminds me of the early days of identity theft, some authority allows someone to use your identity to defraud you, but it's your problem to get it fixed. Let me suggest they didn't get around to fixing things until banks could be assured that no one could use this as an excuse to not pay a bill rather than them allowing it to happen in the first place. It's still only halfway fixed with banks grudgingly adding security measures many years later.
Welcome to corporatocracy, where all costs go to the end consumer.
People need to push back against such ridiculousness from insurance companies!! DEMAND accountability!
Well, I can think of one guy but he's a bit occupied right now.
They need to be reported to the federal trade commission for corruption. They’re thieves. I can’t believe what those stupid scammers did to me. For 10 years they got away with overcharging me by a lot. You know why? Because I called progressive direct that’s why they put the screws to me. They suck.!
Triple D
I KNOW SOMEONE WHO WAS A VICE PRINCIPAL for a high school. He told me a few years ago, a licensed private investigator called the school requesting a list of names of all current students and their gender and addresses. The call was forwarded to him. He asked what for and they told him it was a private business matter. So he told them he did not care what the reason was and that they should go pound sand. The private investigator continued to call so they got his license number to check and he was infact from a licensed agency in the state and was licensed. After that, an attorney's office contacted the school by mail then phone demanding compliance. So he called the cops. Told the police they were trying to get the students names and addresses and they do not need them for any purpose.
The police investigated and told him that the private investigator and attorney were working for a third party agency looking to get the data to give it to Progressive so they can use it to check it against current policyholders and see if some have teens in the house they did not report. I can't make this stuff up, folks.
Holy 💩!
Now that's gone digital, so you'll never know where these companies got the information from: it's worth "kash". Someone with access in the HS, the govt. , the Union, all can grab the infor. and sell it. OR someone who just is able to get past the poor security.
@@DwightStJohn-t7y I do not agree. Student records are under strict rules.
@@DwightStJohn-t7y This is why I’m glad I live in EU where GDP is protecting our privacy. A company trying this in a EU country would get very hefty fines. You can contact any company, organization or governmental departments and demand that they send you everything they have on file on you. Not scrubbing personal data can be very costly for a company!
In the US that's a direct violation of FERPA which is the federal law that protects student privacy.
This happens in California too. A friend of mine had moved his elderly, dementia-ridden father into his house and listed his dad as a non-driving resident on his Progressive policy. Months later, the insurance rate tripled....why? Because Progressive took it upon themselves to change the policy and list the 90-year-old father as a driver. He canceled the Progressive policy that day.
Liar.
@@I_Am_Your_Problem seems like you want to be everyone's problem
@@I_Am_Your_Problem Who is the liar? The poster or the insurance?
Insurance purposely adding unknown person and charging to customers later denying it was mistake
Maybe not a mistake but an ilegal way to charge customers. Corporations and many businesses and companies are getting greedier
They were puttin that extra money in their commision account i see it
They need to be reported to the federal trade commission for corruption.
It’s corporate fraud similar to Wells Fargo.
And state legislatures and Insurance regulators allow them to do it without recourse. If it cost them a few hundred thousand dollars when they were wrong they might not be so inclined to do it.
How is this not an invasion of privacy
I would like to see the make nation wide news and see Progressive tank for their perpetuating fraud. They can blame the third party all they want. But they hired them for this specific reason.
Beco, he who has gold , makes the rules
@emilyfeagin2673 he who is poor like you suffers.
My wife (RIH) had MS and was bedridden and could not move unless I moved her, yet an insurance company told me that since she was in the household, there was a chance that she could drive my vehicle. I told them of her condition, and they told me to have her doctors to send them documentation to prove her condition. I’ve never cussed out a person so much that I even impressed myself!
Liar. That is not how contract law works.
@@I_Am_Your_Problemso you admit progressive is acting illegally?
wait until Luigi hears about this
My parents went through this nightmare with FARMERS insurance. Their agent said bc I live there too I potentially have "access" to their cars & started charging my parents $250/mo for me.
I was so angry I personally went to their location. The agent didn't care, told me that he couldn't take me off their account & then later tried to say I needed to show him proof of insurance. Agents don't care they just want money 💰💰💰
Btw I'm 35 with my own insurance driving an almost 20 yr old car.
Yeah they can't do that & you report them to the BBB & Federal Government! Then sue them for improper approval& denials of claims & charge them for the $ lost and find a different agent!
Change companies
I live with my son and daughter in law. I am excluded from their insurance with Alfa. However they are both listed as drivers on mine.
all you have to do is exclude any other legal drivers that live with you. that solves it. or by default, the insurance co can exclude them on your policy. adding a premium should be fraud and illegal! no excuse!
It's all a matter of contracts. Every insurance company requires every person of driving age to be listed on a policy whether it's as a rated or an excluded driver. That agent was absolutely correct.
Insurance practice this scam to increase then make you swear on there's no additional driver that's ridiculous.
Basically, it is a fraud from the insurance side and government allow it.
Insurance companies have lobbyists
The American people don’t. We did before citizens United. Not now
I would demand they remove her yesterday or charge them with fraud.
How do you do that? Are you a district Attourney?
@@NETWizzJbirk LOL that one CEO in New York found out how.
Insurance industry basically wrote the law. Can make such demands, but they'll go nowhere. It's a civil matter. Good luck suing an insurance company over that. Plus paying huge legal fees along the way, since it's highly unlikely any attorney would take it pro bono. As the other mentioned, DAs file charges, not the victim.
Sue in small claims court. No attorney necessary.
It doesn't matter who lives with you in the house. Just because you have people living with you doesn't mean that they just get to put them on your policy.
The assumption that just because someone share your address means they'll drive your car at some point is rubbish. I've been married over 30 years and my husband has never driven my car.
My mom and dad were like this. They never drove each other’s car.
2 kids and made them get their own policies because i don't want my rates getting jacked up if they end up being irresponsible.
Fraud reversed is still fraud. Reasonable thinking goes to wondering how many people just assume it’s a normal rate increase versus them being scammed and just pay it.
Who and what gives these insurance companies the right to do this?????????????
Your state legislature. They regulate insurance companies.
@cgpcgp3239 is the other way the insurance companies regulate the state legislature
The policy contract you agreed to by purchasing the policy and using the insurance
Government.
Just to throw this out there, but, how many of us know those in our lives who caused these problems by scamming their way through life…
@@Revjim69 so, you saw the contract, or you are just making this up and lying?
It happens in Arkansas as well. My son relocated for school, when he went to renew his insurance they had a 54 year old man added to his insurance, had been on it for months. When we called the insurance company said they got a notification that a new person moved into his address, instead of calling to verify they added the driver on a 22 year olds insurance policy.
To be honest, depending on that 54 year old's driving record, your son's premium could've went down.
@ His driving record was garbage. It was also with Progressive and they weren’t apologia about the matter either, it increased his premium an additional $670. We had to declare he didn’t know the man, den was told if he causes any accidents or wouldn’t be covered.
They wanted me to have my mom on the insurance for my manual transmission pickup truck because we lived in the same house, even though she owned two cars and couldn't drive stick. When I moved to my apartment, I ended up changing insurance companies because they refused to drop her even after I moved.
This is why my grandfather would order 6 to 12 live chickens and have them shipped to businesses that gave him trouble like this. The driver would not take back live shipments and the business was stuck with it. "You give me a head ache, I'm gonna give you a headache. Best $25 ever spent." He was a union teamster for Narraganset Beer back in the day and his playbook of revenge could be made into movie. He was famous for his "toothpick solution". But that's another story.
I’m intrigued 😂
Is this something that is still able to be practiced?
I'm quite intrigued......
Anyone else want to know what the "toothpick solution" is?
@@jimkelley8658 You take a toothpick and stick it in an important door lock, break off half of it, and then with the other end, push it further into the lock. This makes opening or closing a store or warehouse etc. impossible and they have to call a locksmith at a ridiculous hour, pay a lot of money, and you gum things up. Tuck Avery: "The big boss was furious this morning. He had to wait at the warehouse almost to midnight last night until a locksmith could fix the door and close up shop." Grandpa: "Really? /s" Tuck was also called "Waffle--foot", but that's another story.
Continue...
$10B a year is a drop in the bucket for these companies.
Progressive is horrible! Anyone who has car insurance with this company should consider canceling and choosing another provider immediately!
I did. Saved myself a lot of money
Yep, pay for all that advertising
Which company would you recommend ?
The legal system in America works on the premise of innocent until proven guilty. The insurance companies and other businesses are held to that standard of course as well and the Colorado state insurance commission needs to make sure they are held to that standard. Insurance companies, particularly car insurance which is required by law, should not be able to accuse and then bill based on unproven accusations. They must prove it first before they add charges. Let your representatives know that the Colorado isnsurance commisioner is not protecting you if anything like this happens to you.
That Jeep is spying on you. They sold the data to a third party, and their computer spit out some probability that you had an extra driver.
This. They decided there was another driver and started charging him for it.
Insurance companies need a reality check or more people are going to start playing Luigis Mansion on 3DS.
There's also the possibility that someone is using your address without actually living there as part of a mailing scam, and the insurance company's third party spy found this scammer's info and is assuming they live at the address as well.
I have a Jeep and filled out a form to see what Lexus Nexus info had about me. They sent a blank page, nothing from my Jeep goes to my insurance company.
That’s a good thought. That unpronounceable last name could be a combination of VIN number from surrounding vehicles
more greedy insurance companies
First, I will say the "insurance industry" is as corrupt and dirty as they get....now for anyone that cares, the way to prevent this is to sign a document that guarantees YOU, and you alone, will be the sole operator of the vehicle! Trust me, they have the forms....
First the health insurance Now Car Insurance ripping people Off.
Shocking, just shocking!
So who’s the CEO?
The car insurance companies have been doing it a long time also.
And homeowners. It’s been going on for years
Wait until you learn about the government using your tax dollars to determine if a fly life span decreases if they eat sugar.
This is such an unethical business practice it should be illegal and companies should be seriously fined for this.
There is no 'loss premium revenue', if an uninsured driver has an accident then there is no coverage.
They're not saying there's fraudulent claim loss. They're saying individual drivers need their own policy for the same vehicle, and failing to do that is the same as losing money. Unrealized profit they call it. Absolutely idiotic.
Right! Ain't that some garbage! 😂😂
To insurance companies, it's all about risk. More drivers equals more risk.
"These companies" are called the Colorado DMV. They're the ones who attach a total stranger to your policy. It's happened to me before.
Explain please.
@joshuahudson2170 Well, the DMV will match your info with a total stranger's info and make a request to your insurance company to add them as a driver to your vehicle. I use Progressive, and they were gouging me for almost two years before I saw a total stranger's name on my policy. That's why I said it's not the insurance company. It's the DMV that makes the request. Trust me on this. Been there, done that.
At my age my premium should be low, low, low. But because I have a Porsche no one but me ever is allowed to drive makes no difference because my 21 year old live with me it’s thru the roof.
So before insurance companies complain about unclaimed premiums they need to consider these punitive overcharges.
Corporations seem to have become aware that, for the most part, they have the consumer over a barrel with the consumer having limited options. And they've become arrogant about it.
That s why competition in industries is so important
Luigi found an option
after my last divorce my auto insurance company wouldn't remove my ex or her car from my policy, they also wouldn't cancel the policy. The only way I got her removed was to move to stop paying them and to switch to another auto insurance company.
Same thing happened to my husband with his ex. They said, “you’ve already paid. So leave it alone until the next billing cycle. She got into an accident and they dropped him! He ended up paying extra for several years because of this.
Hidden Driver is NOT "lost premiums."
You just don't assume some person "should" be on a policy for whatever broken reason. Other people will get their OWN insurance - I will Not Pay for someone else!
Notices are sent out well before they are added, if they read and respond to the notice, this can be avoided
As someone who worked in car insurance this is quite common pay attention to any emails or mail that you receive from your car insurance company.
They have to tell you when they've received information that someone is living in your household and driving your vehicle.
If you do not tell them that you don't know the person they will add them to your policy. That being said if their like your kid that just got their license you're going to have to put them on the insurance.
I too just experienced this with Progressive Insurance. They added my Grandson whom hasn't lived here but uses my address. They cancelled my policy but I trusted to pay. Over $3000 dollars
They tried this with my son. Refused to remove driver and sent him to collections when he canceled and switched ins. Also Progressive. It was a total scam.
Just cause they live in same household doesn't mean that person will ever drive that vehicle this should be completely illegal no ifs,ands,or buts about it
The 1 percent's thirst for pulling scams on hard working people has absolutely no limits.
You don’t even have to be in the household! When I was taking care of my elderly parents (keep in mind the doctors had revoked their driving privileges and I had ALL the keys!) the insurance company wouldn’t remove them from the vehicles. I was the ONLY one driving them around and the ONLY one with access to the keys. It wasn’t until the attorney said the agent had to provide a letter to the court explaining the reasoning behind refusing to remove them that SUDDENLY they didn’t have to be on the policy anymore. I was lucky that my parents didn’t make any arrangements for me to take care of them when they could no longer care for themselves and had to be court appointed.
I had progressive before, and something similar happen. They sent me a letter saying this person lived with me so should be added to my policy. I lived alone, so I just called and told them and they excluded that person from my policy and they didn’t charge me anything and that was the end of it.
An "ADD" report insisted that there was an additional driver named "Max" in my household. Because my dad, to avoid junk mail, used the name of my cat (Max) when buying things for me. And databases picked up on Max buying things to be shipped to my address and concluded that he also drove my car.
MEE YOW
At least that one will be easy to explain to the insurance. "We don't need to insure the family cat to drive any cars."
@@joshuahudson2170 A friend ran a credit report on him when I was buying a car from his dealership - Max had what was a mix of my credit and my Dad's! The cat was STELLAR! I tried to get Max out of the credit rating databases and couldn't! Max had to request it himself.
The concept that they had somehow created a non-human entity with their data-scraping was beyond their grasp.
Insurance companies probably hope you don't notice that additional person on the policy so they can continue to collect more money
Not surprised that it’s Progressive. They dropped us as soon as we told them we would not list any other adults living in the house, both elderly and both non drivers.
Farmers did the same thing to me. They added a name to my insurance policy. I did my research and the person they named did not even have a driver's license..
Doesn't mean they don't drive. You'd be surprised how many people drive without a license, without registration and without insurance.
@@dont6441that's not how insurance works. They don't get to just decide that someone is a driver.
What a scam! I lived with my brother for 2 yrs and we never used each other's cars but an insur comp can just assume we would or do bcuz we live together? What kind of BS is that?
Who we kidding people with good driving records are being ripped off by insurance companies
Looks like another Strike for AI......Funny they blurred the name except on the letter from the insurance company at the end.
Why not just inform/remind policy holders if a member of your household not listed on the policy you have no coverage in event of claim. That may keep people honest.
It's easier for the insurance companies to just make up a name and increase premiums; like the story says, it's up to the policy holder to prove nobody lives with them.
One more company added to my list thay I would never do business with. They need a class action lawsuit for their sketchy practices to scam their own paying insurers. And we need to see their insurers properly compensated for their scams
:Progressive CEO just gave herself a raise from 12m to 15 million of yearly salary. Someones have to help pay for this.
I just dropped progressive over this. They’re all gangsters, but perhaps analytics will persuade them to stop this behavior.
I had the same thing happen to me. Luckily, I caught it before my premium came due and had them removed before it cost me anything.
It is ridiculous that it is on you to fill out a bunch of paperwork to prove and vouch that you don't know this person and have them removed. Like it's your fault someone tried to scam you. If I had caught it later they said I would have been stuck with paying that month's premium which is total BS.
The person added to mine was 21, female, with 5 at fault accidents. Totally different last name, lived in a different state 1000 miles away, and had no connection to me or anyone I know in any way whatsoever. Her policy was going to cost me $850/month for full coverage on a brand new Lexus. Yeah, not gonna happen.
At one point we had one company car (insured for any licensed driver) and one older car we owned and insured. We also had 2 teenaged sons who NEVER even once drove our car. We also had a close friend and neighbor who worked for our insurance company. He knew without any doubt that they didn’t even moved our car from the driveway to the curb. It was reassuring to know that he knew exactly who drove what.
Some people wondered why we drove a small older car while our sons drove a current model upscale car. Good reason: $$$$$.
Why have "FULL COVERAGE" ?
It used to cover anybody over 21 whether they owned the car or not? I used to borrow a car and wasn't named on the insurance, i was told if anything happened, the insurance would cover me🤷♀️, even when the accident was not my fault.
I would sue this company for breach of contract if they tried to charge me money for someone i've never even heard of.
In my estimation, you should inquire about insuring your vehicle with another company. Based on the fact that you’re the only driver of the only vehicle that you own, with good driving record, chances are you would be welcomed. Then you can tell progressive to take a hike. Someone told me years ago that if you were involved in an accident, if you immediately applied for insurance with another company and they asked you have you been responsible for an accident in the past, you could honestly say you weren’t responsible for an accident because at that point you will not have been charged with the responsibility. If you sign up with that insurance company and then get rid of the one currently ensuring you after the claim is paid, it may not affect your insurance cost. I don’t know if this ever would work but someone told me they did it and it did work. For every action there is an opposite and equal reaction and you saw that a few weeks ago.
Mr. Phan needs to check if this individual resides in the same building as he does or gated community. This happened to me and I was told that it was because she lives with me and I said no, we might live in the same building but I do not know who she is. so remove her ASAP.
I had received a letter if this one person lives with me. I said no I have no idea who this person is...perhaps it was a person who had rented this single family home before. They didn't add him.
@@spicybrown75 I'm glad to hear you got a call to verify. I unfortunately did not get the call and I pointed that out to them. I addressed this with them in June and found they still did not remove the additional driver and was asking for verification of their Driver's License as of this week which I can't give because I do not know the additional driver that was added to my policy. Again, I'm happy for you that you got the verification call. Have a wonderful Christmas & Peaceful New Year!
@@MultiKuulei oh I'm sorry to hear that! They sent a form to me to basically sign to vouch I don't know this Nathan person and mail it back to them. Like what this person in this video had to do.
An insurance company I dealt with made changes to my policy without telling me. When I called to question them I was accused of failing to disclose information. Fortunately I had scanned copies going back 10 years. Still waiting for an apology.
Tell them either they take this unknown person off my policy then one of two things will happen you get sued or you lose a customer
You have control over your policy in the app! Make sure to take pictures & print the changes & if anything happens after that file suit with the law & report it to the FBI!
I once worked for the entity contracted by the counties of my state to verify registered voters' living location. (i.e. You register to vote; we'd find your _exact_ living address to process the registration.) Your _exact_ location determines your voting district at various levels, as well as school district taxes, et.al. Sometimes it would change between the mailbox/end of driveway and the domicile.
Those person-residence databases referenced in this story? They're more error than actuality, or were when I did work where it'd've been useful. _So many errors!_ Obvious errors!
_And You're Telling Me a supposed Authority is Taking that BUNKUS At Face Value?!!_
Have you ever come across the term "paper street?" "Paper town?" "Paper zip code?" Well, _they've been digitized,_ and now exist within big databases of supposedly real reference information.
...Working for them was stressful. And might've been a bit traumatizing... I'm certainly getting unreasonably upset right now. Need to breathe and slow my heartbeat.
It wasn't _all_ bad. I remember one voter registered their home as a rented storage unit. By law, you aren't _supposed_ to live in those. _But since they did,_ and I could find its location, they became successfully registered! I took disenfranchisement seriously.
It was difficult to fix errors in our databases too... Mostly I couldn't. Won't get into _that_ story.
*Hey.* You insurance company! Don't believe a company you contracted if they've got No QA/QC!!
If you rent a room or a dwelling at your address they get you for more insurance?
And government gets to collect income tax on rental income.
This is why insurance CEOs gets targetted🤦♂️
Those commercial identity databases are riddled with inaccuracies.
I have the same problem too with Allstate insurance, they’ve charged me extra by put that person on my insurance. The ironic thing is that person hasn’t live in the house for years, they asked me to prove it which I can’t because I have no contact with that individual so I end up suck up that charged.
That's what the state insurance commissioner is for.
Seems to me this would be simple for the insurance company..... If a person's name is not on the policy and they have an accident there is no coverage. Why would they have to charge extra?
Those extra charges apply until the matter is resolved.
That leads to billions in profits,they're not refunding previous payments that have been made.
I'm with Standard Insurance in Dallas. I had to sign affidavits excluding 10 people who were previous residents of the house I bought in 2016 that were too dumb to officially change their address when they moved out prior to me buying the house.
If you think that is crazy, In Illinois, we have a rider on our auto insurance policies to cover accidents with uninsured or under-insured drivers. There is also a law that makes it illegal to drive WITHOUT insurance. Insurance companies have figured out a way to add horseshit charges to your policy to inflate it and they have lobbyists that work with the lawmakers to force you into the payments.
Progressive isn't the only one. My insurer sent me a notification that they were adding someone to my policy, "based on a consumer credit report." In that notification, they did not even disclose the name of the person they were adding, but it was only a few months after I moved to my current address, and I suspect that they found the name of a prior resident and thought the information was current. When I contacted the insurer, they told me the name of the person, and I told them that I had never heard of them. I was told that the other person would be removed from my account, and they were.
Ask to have that driver formally excluded from the policy..
They need to get rid of the misconception that if the car is insured that anyone who driving is also insured. Just about the only thing the auto industry is good at raising prices and making sure California has the most.
Why would they pay out claims to people who weren't insured? As if the don't use that excuse!?
Anyone driving your car with your permission is covered. You can exclude them if they have an accident. You can also exclude anyone you don't want covered.
He had to fight to get the name removed that he never put on the policy? What the hell. He should send them a bill.😅
Maybe the CEO needs to have a sidewalk conversation LOL
Wait until all businesses start using AI and people are going to see a lot more of these types of charges, IMO. Medical, auto, renters, etc. And it will be up to the person being charged to prove their case, like this case.
That's ridiculous The burden of proof that someone is driving a car should be on the insurance company
Here’s an idea, cancel your damn insurance policy and get another one from a different company.
Secret driver cuts to the million dollar salary of the ceo and bonuses for all execs.
There was a case in California where a lady (Darconte) had insurance with national General. She got into a at fault accident. They used the fact she had a non driving 14 year old in the home to deny the claim and retroactively cancel the policy. Insurance companies are really good at finding loopholes
They claim some tremendous dollar amount due to "loss of premiums" but how much have they made on the over-charges?
Progressive has added unknown drivers to my policy multiple times. They have no explanation why.
So THAT'S what all the unexplained drones are doing, checking for additional drivers! 😂
My car is over 10 years old and I haven't had an accident in 30+ years, but my rates keep going up almost every 6 months! I seriously doubt the insurance companies are hurting as they have been getting tons of money from me for over 30 years without having to pay for anything I own.
Swede here, our insurances are on the car and it doesn’t matter who is driving it, the premium doesn’t change!
My roommate JUST had this exact thing happen to him through Progressive. His car got totaled (not his fault), and he was dealing with insurance who kept charging him for a car he no longer owned. After getting hung up on over and over and dealing with no answers, one customer service agent let him know he’s actually been paying for some guy’s insurance who currently lives at an address my roomie lived at like 10 years ago. My roomie was obviously very confused about why they added some random guy to his insurance policy, and they said they “notified him through the app” 🙄 Make sure your addresses are updated with your insurance companies.
Edit: we live in Indiana.
Auto insurance just as bed as health insurance industry, I hope their CEOs wake up to the reality before a tragedy like Brian Thompson.
The ADDITIONAL DRIVER SCAM by insurance companies HAS TO STOP. At one point, there were two adult members in my household who were of driving age, but didn't have licenses or drive. The insurance company automatically added them to my policy. It took MONTHS of nasty correspondence to get them taken off. Another instance happened where a senior person voluntarily decided to no longer drive, but kept their license to use as ID. I'm STILL getting reamed on that one.
It's astounding that they can randomly add someone to your policy without having any evidence to support the idea that the person has any access to use the vehicle.
No he does n9t all he has to do is go online and exclude the driver & say he is the only driver on the policy. Someone obviously hacked their system I always verify my policy and who can & cannot be on it!!😊 You can change everything in the app!!😮
Not that easy. By the the time you correct it, the "mistake" has already cost you more premium money with no refund in sight.
Drop Progressive! Still plenty insurance companies that won't do that. This is bad for them spread the news I am
Is progressive the only insurance doing this? 😮
Our son and his family live in Colorado and it scares me and makes me angry that they do! For so many reasons - now this one!!!
This should alert more people to the issue of someone using a fake address
I do not live in Colorado and do not use Progressive, but this happen to me. My auto premium increased. I saw a added driver that I did not know. The driver was remove but my premium did not lower. I changed insurance companies. Check your policy frequently.
My father's car insurance a few years ago, started using a.i. to "enhance" their monitoring. which is why a 2 car family nobody in my family ever met was added in. and the insurance tried to add cost because the family was failing at paying.. because they were put into the wrong account. so neither my father or they got any notification until the late policy kicked in
I must be a hidden driver, my husband won’t let me drive his car. He claims that I’m covered. Yeah sure.
Much ado about nothing. Like most states, Colorado insurance law allows policyholders to exclude coverage for a driver (known or unknown) under their policy and avoid a premium increase or cancellation or non-renewal. Exclude the driver and carry on...
You have no idea what you are talking about. It's a giant headache to correct. The policy holder has to prove it's false. Think about that. No call back, main agent always out of the office, numerous wasted trips and/or phone calls, copies for proof of residency, proof of PREVIOUS address, swearing you didn't get remarried and/or have no new girlfriend staying with you, endless excuses as to why progressive hasn't removed said person. Take your "much ado" and move on.
@@karamiller9913 No, you just sign a driver exclusion form and that's it. Life must be hard for you.
@@rmcook13 and you must not understand real life.
@@rmcook13Is this “driver exclusion form” available in all insurances companies? Is it typically signed at the inception of the policy? That headache the guy mentioned is very real and very annoying.
@@nea5149 It's available in Colorado and other states that allow it and can be implemented at policy inception and any point during the policy term thereafter, such as when additional driver discovery identifies a potentially undisclosed driver in the household as in this case. Because it's enforceable under the insurance code in states that allow it, any company that doesn't offer it is chasing away customers.