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I purchased a full coverage auto policy for my youngest daughter in July 2022. I have three other children with the same make/model of vehicles that I have previously purchased for them and followed the same procedure. I contacted my agent's represetitive (AMY) by phone and thought all was as with the other children. Unfortunately, my daughter was involved in an accident oct 28, 2023. It was only then that I was informed the claim would be denied b/c my daughter was not on the plan as a driver. I was unaware she was not as I followed the same procedure as with the other children. The statements do not reflect who is on the plan as a driver so I never picked up on it that she was not added. To add insult to injury, my agents office stated since I do not have a paper trail to prove I told them to place her on the plan there is little I can do. I assure you I did inform them when the car was purchased to put her on it as this is her car and I only pay the insurance. I have numerous other policies with you and it is evident that I have three other children with the same make/model and this was not my car. I do not have a paper trail b/c this was done on the phone. Furthermore, I have never had the policies explained to me and what exactly I was purchasing. I am not out 11K to repair my daughters car and 20% of the other parties claims. This has been the worse insurance experience I have had and I am upset that I have paid full coverage even though I will not get benefit from doing so.
Claimed loss: 11K car repairs to my daughters car 2022 subaru imprezaUnknown 20% of charges for the other parties losses.
Desired outcome: I paid for full coverage. I would expect full coverage on the vehicle. I was unaware that my daughter was not on the policy. Also blaming the consumer is pretty low. I would expect at least a phone call from my agent and not the assistant.
![Rand Mutual Assurance [RMA]](/images/business/48-48/124382/rand-mutual-assurance-rma.png){kind=small}