Notices

State Farm Insurance question

Old 02-29-2012, 04:14 PM
  #1  
Senior MemberCaptains Club Member
Thread Starter
 
Join Date: Mar 2003
Location: Long Island, NY
Posts: 2,012
Default 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?

Last edited by striper97; 03-01-2012 at 03:48 AM.
striper97 is offline  
Old 02-29-2012, 04:22 PM
  #2  
Senior MemberCaptains Club MemberPLEDGER
 
Join Date: Aug 2001
Location: West Carolina
Posts: 21,930
Default

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.
Shag is offline  
Old 02-29-2012, 04:48 PM
  #3  
Senior MemberCaptains Club Member
Thread Starter
 
Join Date: Mar 2003
Location: Long Island, NY
Posts: 2,012
Default

He is only listed as a driver and not a named insured.
striper97 is offline  
Old 02-29-2012, 04:56 PM
  #4  
Senior MemberCaptains Club MemberPLEDGER
 
Join Date: Aug 2001
Location: West Carolina
Posts: 21,930
Default

Originally Posted by striper97 View Post
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".
Shag is offline  
Old 02-29-2012, 05:12 PM
  #5  
Senior Member
 
Join Date: Feb 2012
Location: Quaint Little Drinking Village with a Huge Fishing Problem
Posts: 1,259
Default

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 You know Allstate, the company that your "In good hands with." Yet you only get one finger and it's the middle one. Bend over, drop your pants and get ready for your Allstate agent to service your account.
Ghetto Lobster is offline  
Old 02-29-2012, 06:04 PM
  #6  
Senior MemberCaptains Club Member
Thread Starter
 
Join Date: Mar 2003
Location: Long Island, NY
Posts: 2,012
Default

I will let you guys know what their response is to this.
striper97 is offline  
Old 02-29-2012, 11:11 PM
  #7  
Senior MemberCaptains Club Member
 
Join Date: Aug 2007
Location: Norfolk, Va
Posts: 9,260
Default

It could be a mistake. Go to the agents office and find out.
CaptKennyW is offline  
Old 03-01-2012, 06:32 AM
  #8  
Senior Member
 
Join Date: Sep 2011
Location: CT
Posts: 469
Default

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).
ReformedLandlubber is offline  
Old 03-01-2012, 06:12 PM
  #9  
Senior Member
 
Join Date: Feb 2007
Location: Woodlands, Texas
Posts: 939
Default

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...........
Picaroon is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are On
Refbacks are Off


Thread Tools
Search this Thread