ACCC Insurance - Exclusion of a Person With a Fake Name I Was Dating

Car - Complaint
Review by diana.brooks on 2013-09-05
Rating: StarEmpty StarEmpty StarEmpty StarEmpty Star
HOUSTON, TEXAS -- A guy I was dating had car insurance with this company, so I called this company and got insurance. The insurance company listed him as an exclusion. He stole my keys and car and now they will not pay my claim. But the thing with this is they gave him a fake last name, he doesn't live with me and he has no driver's license.
Comments:2 Replies - Latest reply on 2013-09-06
Posted by cmthru on 2013-09-05:
Did you file a police report? If so, then they should pay regardless of the fact he was listed as an exclusion. If you did not make a police report then all you can do is take him to court.

That the insurance company gave him a fake name is not your problem.
Posted by cabletech on 2013-09-06:
I can tell you where the insurance company is coming from ( doesn't mean I agree or don't agree). I am guessing at one point in time you called to see about having the boyfriend added to your insurance OR the insurance company found out he was driving your car somehow. The insurance company at that point demanded a joint policy since you were both driving the same car and/or lived in the same household. They said "add him on to your policy or combine policies and your rate will be/ go up X dollars a month or you are excluded from making any claims involving him" which they can do. I assume he was never added to the policy or a combined policy purchased so that is where the exclusion is coming from. Whether or not they got his name right doesn't matter, they were still referring to the same person who stole the car. Here is the catch- if you would of added him to your policy they wouldn't of paid out either- they would of said him being on the policy gave him permission to drive the car and since he has permission he didn't steal it. Unfortunately the boyfriend is looked at like a member to your household, and with the same household member stealing the car your claim becomes invalid. Same household members are excluded because they figure if you chose to live with someone who does something illegal or causes damage that is your problem, not theirs. You are taking the risk and they are not taking a loss because of it. Not saying that the insurance company is right, just explaining it from their perspective. File a police report and hopefully your car will turn up, sorry about what you are going through

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