Question by Anthony: Why is an insurance company asking me for information about me or to provide a declaration page?
I got into a minor accident about a month ago in my grandfathers car. I reported it to his insurance company and all. A month later he gets a letter from his insurance company asking to provide information about me or for me to provide them with a declaration page. My question is what kind of information are they looking to obtain from me? I do not own a car or under any car insurance in order to provide my own declaration page.
On the letter it just says “Provide information on my name”
Then they ask if he has his own policy to provide his declaration page.
See answers below. Add your own as well
They’re looking for proof that you are insured on another policy. Otherwise, they’re going to deny the claim, because grandfather didn’t list you as a driver on his car, and didn’t pay the high teen driver rate.
It happens ALL THE TIME, that kids try to get “free insurance” by driving a car owned by a relative who is not a household member. That’s a form of fraud. It’s usually discovered when the accident happens.
If mom or dad listed you and are paying for you on their policy as a driver, submit that declarations. Otherwise, prepare to pay for this accident out of pocket – and grandpa’s going to have to add you to his policy, and pay both the extra premium for you, AND the surcharge for this accident.
They probably want to know if you are listed as a driver on his policy. They probably want to know if you are living in the household with him. All companies are different and have different guidelines, but I work for Nationwide, and we require anyone living in the same household, with a valid driver’s license to be listed as a driver on any given policy. If you live with your Grandfather, and you were not listed as a driver on his policy, the insurance company will not pay for the damages if the accident was your fault. It does cost more money to add an additional driver to a policy, but it is a good thing to do, so in the case of an accident, insurance will likely cover damages. A declaration page is a breakdown of all the coverages a person has, maybe discounts applied to the policy, and all the drivers listed on the policy.
They are looking for information about whether you have your own insurance, so that they could try to get your insurance to pay (if you had insurance), so that they wouldn’t have to pay. Also, if you had insurance, then they might tell your insurance about the accident, and your insurance might raise your rates.
Since you don’t have insurance, all that he has to do is tell them is two things: that you don’t have insurance and (very important) where you live. They need to know where you live, so that they know whether you should have been listed on his insurance.
It says to provide the declaration page only if you have your own insurance. Since you don’t have your own insurance, you don’t have to provide that page.
If you don’t have your own policy, then you can’t provide them with any declaration page. Just give them the information they’re asking for.
What kind of information they want is probably in the letter.