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-   -   State Farm Insurance question (https://www.thehulltruth.com/dockside-chat/408419-state-farm-insurance-question.html)

striper97 02-29-2012 04:14 PM

State Farm Insurance question
 
My wife and I have most all of our insurance with State Farm. House, Business, Auto etc. She owns her own company on which she has a driver that works part time for her listed on the company policy. Today I reviewed the renewal for her personal car. The part time driver for her company is listed as a driver on this policy also? He is not our son nor does he reside at our house. I fortunately noticed this guys name on the bottom of the page of the renewal. Her company policies are titled under the company name, this policy just has our names on it. We placed a call to the agent today and are awaiting their response to this question.

Has anyone else ever run into this problem?

Shag 02-29-2012 04:22 PM

I doubt if they are charging you a higher premium unless the guy's MVR has some dings on it. I don't work for State Farm but I imagine somehow they cross referenced the policies and added him by mistake. No biggy. Just get them to take him off your personal policy. If he is only listed as a driver and not a named insured there isn't any increased exposure by him being on the personal policy.

striper97 02-29-2012 04:48 PM

He is only listed as a driver and not a named insured.

Shag 02-29-2012 04:56 PM


Originally Posted by striper97 (Post 4409170)
He is only listed as a driver and not a named insured.

If he doesn't drive the personal car just tell em to cross reference where they have him listed as a driver on the commercial policy and get em to remove him. Even if he drives her personal car you still have coverage. It's no biggy but you should "clean it up".

Ghetto Lobster 02-29-2012 05:12 PM

I know what they're going to say; "He has access to her car and there's a potential he may drive it." Been there done that gone down that road with Allstate :banghead: You know Allstate, the company that your "In good hands with." Yet you only get one finger and it's the middle one. :bashhh: Bend over, drop your pants and get ready for your Allstate agent to service your account.

striper97 02-29-2012 06:04 PM

I will let you guys know what their response is to this.

CaptKennyW 02-29-2012 11:11 PM

It could be a mistake. Go to the agents office and find out.

ReformedLandlubber 03-01-2012 06:32 AM

I assume your wife's company car is also her personal car? Is that right?

Auto insurance follows the vehicle, not the person or company.

It sounds like you have both a personal and commercial policy on the vehicle. I would imagine the other name is listed on the personal policy because they are a named driver on another policy (the business policy).

Picaroon 03-01-2012 06:12 PM

Sounds to me like you agent is doing a very good job for you. For a number of reasons its a good thing that they know all regular drivers. They will underwrite him which includes running his MVR. If he is bad they will let your wife know.........Most of the good companies will do this same thing..........Most companies are good companies...........


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