gieco insurance added my spouse to my car insurance without any consent

eBay
110011

Go to company page eBay

110011
Sep 19, 2019 27 Comments

with the statement “It’s important to us that we take every precaution to protect your interest. As a result, we are writing to inform you that we have added [spouse name] to your policy..”

The premium is more than double now..

I didn't request to add...
are they allowed to do that ? 😮😮😮

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 TOP 27 Comments
  • Roku
    cruella

    Go to company page Roku

    cruella
    It's illegal in some states to have a spouse with a valid DL who's not on your insurance.
    Sep 19, 2019 8
    • Google
      GfTq22

      Go to company page Google

      GfTq22
      It just depends on the insurer. I doubt any state is going to require a spouse to be on a policy. What they might do, is require that a policy covers relatives driving the car, so the insurer forces the issue.

      Just shop around and find a new insurer. Don’t lie about being married, but don’t volunteer information and just be clear that you want the policy in your name only.
      Sep 19, 2019
    • Travelers / Biz Dev
      gp240

      Go to company page Travelers Biz Dev

      PRE
      Chubb
      BIO
      Commercial Insurance Underwriter
       gp240
      Yeah you’re stuck. All standard insurance policies cover spouses, and there’s really no workaround. Gotta suck it up and cancel her policy.
      Sep 20, 2019
  • Neurocrine
    bluffjezoz

    Neurocrine

    bluffjezoz
    Yes, it's legal. And they add roommates too by default, sigh. I debated with them for a long time that they don't use my car but they said it's the law, we have to include spouse and roommates or anyone who lives with you because they can use your car 🙄
    Sep 19, 2019 4
    • Neurocrine
      bluffjezoz

      Neurocrine

      bluffjezoz
      I was told this by multiple insurance companies when I was shopping for insurance rates. I am on the east coast.
      Sep 20, 2019
    • Google
      GfTq22

      Go to company page Google

      GfTq22
      It’s not the law, at least not in California. You really think a $15/hr sales rep has read their state’s insurance code?
      Sep 20, 2019
  • Google
    GfTq22

    Go to company page Google

    GfTq22
    Not sure what state you are in, and policies are going to vary by state, but the Geico policy in California already effectively covers any relative that drives your car, so that’s really just Geico saying “we already cover her anyway so payup motherfucker.”

    I’m legally separated from the wife and own and insure all our cars, and she is not on any policy but routinely drives one of them.
    Sep 19, 2019 2
    • eBay
      110011

      Go to company page eBay

      110011
      OP
      We are in California too, you are right, my spouse has been listed on insurance as a non driver from the day I insured, but my spouse got driving license recently and they added spouse with additional insurance as driver which I never asked for... I find it ridiculous...
      Sep 19, 2019
    • Google
      GfTq22

      Go to company page Google

      GfTq22
      My spouse and I have different addresses on our ids, so maybe they are flagging it via DMV records.
      Sep 19, 2019
  • eBay
    pepperjack

    Go to company page eBay

    pepperjack
    The insurance just doesn’t go up by adding spouse. Did your spouse have an accident record? Is the spouse younger than 25 years? You should call and talk to them about possible discounts.
    Sep 19, 2019 2
    • eBay
      110011

      Go to company page eBay

      110011
      OP
      My spouse just got the license, so may be due to new driver!!
      Sep 19, 2019
    • eBay
      pepperjack

      Go to company page eBay

      pepperjack
      I see. That could be the reason. A 3 year driving record without any incident significantly drops the premiums. But call and talk to them about possible discounts.
      Sep 19, 2019
  • Apple
    ktg41fj

    Go to company page Apple

    ktg41fj
    Geico included my wife and she doesn’t even have a drivers license...
    Sep 21, 2019 1
    • eBay
      110011

      Go to company page eBay

      110011
      OP
      It was Same here, but Usually they add spouse as non driver, so premium should be same without the adding the spouse.
      Sep 22, 2019