Can someone please read this scenario and explain what this local agent is trying to do? Thanks.
I am an adult, and I have had my own E r i e Insurance auto policy since 1980. In that entire time, I have been the sole person on that policy, no other person's checking account has ever been used to make payment on my insurance, and I have owned multiple vehicles since 1986. I currently have 4 vehicles insured on my policy. One is antique, one classic, neither of those driven daily. One is a truck and the other a sedan, both of which I use for regular transportation. I am 55, single, and childless. I do no have any children by blood or my marriage. None whatsoever. I am as single as anyone can get, lol.
My history is one collision claim back in 1989, and one cracked windshield replaced in 2011. I have no accidents, no tickets, no violations, no nothing. I drive less than 9000 miles/yr now.
I have moved in with my parents temporarily and am planning to relocate out of state for work. Parents are both in their 80s, and have their own insurance and good driving records. They also have at least 4 vehicles on their Erie policy, with only two drivers.
I don't drive theirs. They don't drive mine. There is no crossover whatsoever. I do not chauffeur my parents. We don't go places together in the same vehicle, even. There are no other people living in the house and no children or teenage learner-permit drivers or anything.
Well, E r i e suddenly got a bee in its bonnet to question us why so many vehicles at same address. I said two of mine are offsite, two are here most of the time, and my parents keep all of theirs here. All these vehicles, and only 3 people can drive them, lol.
THE ISSUE: Now E r i e wants ME to add MY parents to my policy. They also want MY PARENTS to add ME to their policy. The local agent is all but demanding this, and local agent is the only communicator I have spoken to so far. But, she says underwriters want this done, and these underwriters may cancel the policies if we don't comply. She also said there is no additional cost, and if there is an accident Erie can then spread liability over both policies.
I told her to send the forms and I would read them, but I will not consent to this because I am not my parents' driver or keeper, nor are they mine. My mother will take this to an attorney as soon as she gets the paperwork. We are all of the opinion that this is bullsh__t, an invasion of privacy, and an unreasonable demand. I told the local agent that it's okay by me if they want to cancel my policy. Just refund my premium and I will happily take my biz elsewhere.
I don't see where they have a legal leg to stand on regarding this issue. I pointed out that it probably is not their company policy, in a house of unrelated adult roommates or adult grad students or an unmarried couple to require that EVERYONE be on EVERYONE ELSE'S insurance, is it, just because they share the same address? I told her she is making connections where there are NONE. The local office gal had no response to that.
This is a small town, and frankly, the people are hicks with only high school educations. There are many elderly who were factory workers and housewives with no education. Businesses here make a good part of their money by selling bull__ services that are not needed, but the poorly educated don't know any better and will cave and pay up rather than say no.
I am an adult, and I have had my own E r i e Insurance auto policy since 1980. In that entire time, I have been the sole person on that policy, no other person's checking account has ever been used to make payment on my insurance, and I have owned multiple vehicles since 1986. I currently have 4 vehicles insured on my policy. One is antique, one classic, neither of those driven daily. One is a truck and the other a sedan, both of which I use for regular transportation. I am 55, single, and childless. I do no have any children by blood or my marriage. None whatsoever. I am as single as anyone can get, lol.
My history is one collision claim back in 1989, and one cracked windshield replaced in 2011. I have no accidents, no tickets, no violations, no nothing. I drive less than 9000 miles/yr now.
I have moved in with my parents temporarily and am planning to relocate out of state for work. Parents are both in their 80s, and have their own insurance and good driving records. They also have at least 4 vehicles on their Erie policy, with only two drivers.
I don't drive theirs. They don't drive mine. There is no crossover whatsoever. I do not chauffeur my parents. We don't go places together in the same vehicle, even. There are no other people living in the house and no children or teenage learner-permit drivers or anything.
Well, E r i e suddenly got a bee in its bonnet to question us why so many vehicles at same address. I said two of mine are offsite, two are here most of the time, and my parents keep all of theirs here. All these vehicles, and only 3 people can drive them, lol.
THE ISSUE: Now E r i e wants ME to add MY parents to my policy. They also want MY PARENTS to add ME to their policy. The local agent is all but demanding this, and local agent is the only communicator I have spoken to so far. But, she says underwriters want this done, and these underwriters may cancel the policies if we don't comply. She also said there is no additional cost, and if there is an accident Erie can then spread liability over both policies.
I told her to send the forms and I would read them, but I will not consent to this because I am not my parents' driver or keeper, nor are they mine. My mother will take this to an attorney as soon as she gets the paperwork. We are all of the opinion that this is bullsh__t, an invasion of privacy, and an unreasonable demand. I told the local agent that it's okay by me if they want to cancel my policy. Just refund my premium and I will happily take my biz elsewhere.
I don't see where they have a legal leg to stand on regarding this issue. I pointed out that it probably is not their company policy, in a house of unrelated adult roommates or adult grad students or an unmarried couple to require that EVERYONE be on EVERYONE ELSE'S insurance, is it, just because they share the same address? I told her she is making connections where there are NONE. The local office gal had no response to that.
This is a small town, and frankly, the people are hicks with only high school educations. There are many elderly who were factory workers and housewives with no education. Businesses here make a good part of their money by selling bull__ services that are not needed, but the poorly educated don't know any better and will cave and pay up rather than say no.
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