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What Does Excluded Driver Mean?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 01/01/2017

Q: My car insurance company wants me to exclude one of the drivers that live with me, what does that mean?

A: It means that your insurance company does not want to insure the actions of that driver.  Most of the time it’s because they have too many accidents or violations and the insurance company considers them a high likelihood of causing an accident. Your only options in this case, is to sign the papers to exclude the driver or find another insurance company.

On the other hand, you can also use a driver exclusion to your benefit and exclude high-risk drivers from your policy to decrease your premium, but if that excluded driver has an accident in your vehicle the insurance company will not pay for it and you will be on the hook to pay for the damages.

How Do I Get My Car Insurance Policy Documents?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 01/01/2017

A: How do I get a copy of my Liberty Mutual car insurance policy?

Q: There are three ways you can get a copy of your car insurance policy. First, go to your agent and have them print you off a copy. Second, call the company directly and have them order you one to be mailed to you or ask them to email you a copy. Third, create an online account with your car insurance company and print them off for yourself.

If you need the legal packet that accompanied your car insurance policy that tells in details what is or what is not covered, you have to ask for that specifically.  That is usually only sent out when you initially purchase your policy because of mailing costs.

Your DMV and Your Car Insurance Company

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 12/31/2016

Q: Why is it so hard to get my insurance company to send proof of car insurance coverage to the DMV?


A: This topic is such a sore spot for customers and those that work for insurance companies. With electronic proof of coverage that is sent to the states, many things can go wrong.

1) The person keying the information could get one digit wrong and the state rejects it.  There is no forgiveness when it comes to proof of coverage the DMV

2) Just like any other form of electronic communication it can get lost in cyberspace

3) The DMV is known for having LONG processing times and just because your insurance company sent it within 20 minutes of you asking for it, it can still take some DMV’s up to 11 weeks to process.

How can you expedite this process?

Try and find a direct contact at the DMV that would accept proof of coverage from your insurance company, try and get an email address as this is much more reliable than a fax number. Then contact your insurance company or agent and ask them to send your car insurance ID card directly to that contact.

Double Auto Insurance in Massachusetts and Colorado

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 11/30/2016

Q: My family recently moved from Massachusetts to Colorado. In Colorado, we were required to get an auto policy in order to get a CO registration and CO plates. In MA, they do not allow you to cancel your auto policy until you cancel your plates. This means we have been double-covered for a period of time before we get our CO plates. Our CO auto insurance company informed us that we should be reimbursed the period from when our CO policy went into place to the date we get plates (as long as it is within the 90 day period allotted by law in CO) by our MA insurance company. When I checked with our MA company however, we were told that would not happen, so now we are paying for 2 policies currently until we obtain plates. Auto and Homeowners insurance went into affect the day we closed on our CO residence and we do not have a residence in MA. What are the laws regarding this? We should not have to pay 2 policies because we moved.


A: Oh, Massachusetts!  This state is an insurance beast all it’s own, so much so that some insurance companies refuse to write insurance in that state and the ones that do usually have a whole department dedicated just to dealing with Massachusetts.

Agreed that you should not have to pay for two auto insurance policies, the problem is that insurance is regulated by the states and you are stuck in limbo between two of them.

What I would recommend is contacting the Division of Insurance in Massachusetts ( or the RMV and tell them your situation. You technically have insurance on that vehicle, even if it is in the state of Colorado and that should suffice for their insurance requirement given the situation.

Late SR22 Insurance

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 11/30/2016

Q: I recieved my DUI in 2014 and I still havent gotten my SR22 insurance. I didn’t realize I needed it. WIll i have a legal issue if I start it now? Should I go to the DMV to inqure? Or should I speak with my insurance company first? Also, would my insurance complany drop me if I asked about the SR22 insurance?

A: Contact your insurance agent today!! You need to get this taken care of now.

Your agent will walk you through the process of how to get this situation taken care of so that you don’t have legal issues. In most states your SR22 requirement doesn’t start the date you get pulled over for a DUI, but the date you are convicted of it.  The state should have notified you that you are now required to have it and the effective date.

Your insurance company will not drop you (in most cases), but they may have to backdate the SR22 surcharge to the date that the state required you to have it so you can provide proof of it to the state for that time period.

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