Automotive Insurance Claims West Virginia WV
Reader’s Question:
I live here in West Virginia, and an automotive insurance agent is asking me to disclose information about all my children who are 10 years old and above. I want to know why they are requiring me to do this.
Anita
Huntington, WV
Automotive insurance companies use this data for different reasons. You may find that some companies ask this information because it is required by state laws. Typically, they use this information for coverage and liability exposure. This doesn’t normally affect the rate of the automotive insurance, but this information may be deemed as important data in tracking down claims during the time of loss.
There are some automotive insurance companies that require not just the names but also the ages of the household members. The age requirement is used to see which ones are potential drivers. It is important to disclose the ages of the household members because there are some policyholders who do not update their automotive insurance carriers about those members who just got their driving licenses just to avoid the increase in their premium.
If the insurance carrier increases the amount of your premium because of the household members who are not yet of legal driving age, you should contact them immediately and ask for an explanation. If you’re not satisfied with their answer, you may try contacting West Virginia’s insurance regulator, so they will be the ones to ask your auto insurance carrier for their rating system.
Tags: auto insurance claims, auto insurance coverage, auto insurance premium