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Car Insurance Company’s and a Revoked License

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 02/25/2016

Question:  I have a question about my car insurance company.  They cancelled my insurance because my son’s license was revoked, I asked them to take him of I have been with them for years they told me no what can I do about this why can they not take him off ?

Answer: Honestly, the only thing that I can think of is that your car insurance company considers him a risk and believes that he will increase the chance of a car accident since he is still in your household. It’s not unheard of for those without a license to still drive anyways and if he does get into an accident your insurance company will still have to pay for it, even if he is not on the insurance policy. They could have just as easily had you exclude him from the insurance though, then if he does drive and is in an accident they legally don’t have to pay for it.

Since they have already made their decision and have cancelled your policy, I wouldn’t try to get them to change their mind. Just look for another car insurance company.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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