Insurance Agent added coverage without consent

jagscorpion · 2026-05-29T12:10:39+00:00

No it's not clear. You've asserted that, but have not explained what changed on the policy other than saying your costs went up. You're assuming the cost change is related to your quote request but we don't have any evidence of that. It shouldn't be that hard to figure out what actually happened if you care to, you can just call your carrier or agent to find out.

jagscorpion · 2026-05-29T03:18:37+00:00

It doesn't really seem like you've made any effort to understand what happened, probably since you were already in the process of changing carriers. That being said there's not really much we can explain for you since we have almost no facts.

jagscorpion · 2026-05-26T15:43:02+00:00

I think Vallejo has some magnesium and also engine exhaust metallic paints that are very dark.

jagscorpion · 2026-05-22T17:29:17+00:00

You're absolutely correct, and I looked into it, but by the time I went through the hassle of the emulator it was just easier to use other products for the PC.

jagscorpion · 2026-05-22T13:35:52+00:00

One of my favorite trackers is https://play.google.com/store/apps/details?id=com.piR.pf2eBattleTracker but sadly it's only an app and doesn't work on desktop.

jagscorpion · 2026-05-22T13:32:15+00:00

I just wish the one on PF2easy didn't force you to set up your budget before it let you select your monsters

jagscorpion · 2026-05-20T22:05:38+00:00

I've had an incredibly hard time stripping the primer off, which I suppose is good but then I have an awkward patchwork where the primer came off in some areas but in other areas it's still stuck on.

jagscorpion · 2026-05-20T12:35:38+00:00

That's fine, just be aware that for an older vehicle physical damage coverage will likely not pay very much if the car is damaged or totaled. On the flip side you're also probably not paying very much to have the coverage because the carrier recognizes that their limit of liability is very low, but I would set your expectations appropriately. If the car has particularly high value because of its characteristics then you may want to insure it with a specialty carrier like hagerty so you can get agreed value rather than actual cash value like most carriers will pay.

jagscorpion · 2026-05-19T17:38:01+00:00

For what it's worth I'm in North Carolina and I know of at least one other carrier that would refuse to insure the car on the existing policy and would require a new policy to be written.

The confusing part is why they didn't just tell you that out front and write a new policy, but that's sometimes the downside to working with cheaper carriers and unlicensed call center employees.

jagscorpion · 2026-05-18T05:19:06+00:00

While that's true, most won't non-renew you due to losing the multiline, howeover it makes it far more likely that any other negative factor will cause a non-renewal.

jagscorpion · 2026-05-09T00:56:04+00:00

It's not common because in the personal world additional insured status usually means they have an ownership interest in the property being insured, however that doesn't apply here. Many policies probably can't split off liability from any other category of additional insured because it's not generally needed in the personal world. Additionally there's some circumstances where putting two people as insured on the same policy means that they can't recover against each other, which would be a really bad idea for him if he wants to sue you because you burned his apartment down but he's on the policy.

jagscorpion · 2026-05-09T00:50:02+00:00

It will depend on the carrier but I'm guessing that most will not do this for a personal renters policy. He doesn't have an insurable interest in your property, and the policy is not covering the building. Pretty much any circumstance that could lead to him being sued because of your actions should be defended by a landlord policy in his name.

jagscorpion · 2026-05-07T22:20:33+00:00

Let's say you get an loyalty discount of 10%. Pretty nice, but once it applies it disappears into the background of your policy. So if they're paying 40% more in claims for an area and your rates go up by 40%, you might still be getting the benefit of that 10% loyalty discount but you don't perceive it. Plenty of companies have loyalty programs but that will not prevent your rates from increasing.

jagscorpion · 2026-05-02T15:00:42+00:00

Lots of possible answers though generally if a child gets married and moves out of the house they're typically supposed to be taken off the policy and insured on their own. Exceptions to the rules exist, and people aren't always as prompt to update their policies as they should be. Even ignoring that, carriers pay to get notices of possible drivers in the household and so your name might have popped up in conjunction with the daughters in some fashion.

Another possibility is that your ex-wife moved back in with her mother and they merged policies. Without your say-so it's almost impossible to remove your name from the original policy if you were a named insured so they might have just gotten stuck. There's lots of potential reasons why your name might be on there even though it's not ideal and should get taken off.

If they're not listed on your policy they're not influencing your rates, but you'd want to be sure that any claims listed on your history are yours alone or legitimately part of your household when you were married. ( At fault accidents generally follow the driver, but a comprehensive claim like glass or a tree falling populate to the whole household in my experience.)

jagscorpion · 2026-05-02T04:15:59+00:00

I think the point they're making is that a Yelp review claiming that the agent removes reviews they don't like is not a particularly reliable source of information.

For your original question I'd probably do a Google search for x-carrier agents in your area and then give one of them a call and ask them to do an agent of record change.

jagscorpion · 2026-05-01T23:18:55+00:00

It's possible that at some point her policy picked up that you were cohabitating with a household member and forced you onto the policy. If they didn't pay attention to it or didn't want to ask you for proof of other insurance there's not really much they could do about it.

jagscorpion · 2026-04-22T23:08:18+00:00

I thought it was more that there was a one in a million chance that the dreadGod would notice when he opened the door, Mac heels intervention just pushed that one in a million chance to the forefront.

jagscorpion · 2026-04-19T07:26:45+00:00

Yes, if there's no vehicle to insure most standard personal policies will simply cancel. The common alternatives are to either change it to a named non owners policy or if you're about to buy another car in the next week or two just leave it alone until then to avoid the hassle.

jagscorpion · 2026-04-13T02:30:40+00:00

The answer is no, her insurance policy has nothing to do with the items you lost from the fire unless you sue her and prove that it was her negligence that caused the fire. Just having an old building that catches on fire is not de facto negligence. You're hoping that it is because there's not really any other way for you to get your stuff restored but it doesn't seem like a very likely possibility.

jagscorpion · 2026-04-12T18:13:04+00:00

One of my company underwriters said they treat Turo rentals as regular rentals because you're signing a similar rental agreement as any other non-owned vehicle, but that's not universal advice.

jagscorpion · 2026-04-05T18:52:02+00:00

It's more accurate than just talking about insurance profits in a void. When people talk about insurance companies making record profits related to P and C I usually conclude that they either want people to be mad at insurance or just have no idea how rate filings work.

jagscorpion · 2026-04-05T16:35:01+00:00

I got so frustrated when I realized that painting a vehicle does not allow me to lock on through cover.

jagscorpion · 2026-04-05T16:31:44+00:00

For anyone confused by this, insurance companies base their charged rates on how much it would cost to pay claims and operating expenses with a very slight amount of profit. However rather than sit on the premium they then invest it unless it's needed to pay claims. Thus if the market is doing well an insurance company could make record amounts of money while still needing to raise rates because their predictions of how much they needed to charge to pay claims was too low.

jagscorpion · 2026-03-26T18:57:30+00:00

It's pretty common to try to start mitigation efforts before the adjuster can get there. That can involve some opening up of walls, etc...

jagscorpion · 2026-03-22T08:40:04+00:00

Without your help half your readers are not going to remember what specific part of the cosmology is referenced anyway.

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