Can An Insurance Company Backdate Our Auto Insurance Policy?

We just added our son to our policy in June 2013. The insurance company sent us a bill for $1100 for covering him from 4/2012 through 6/2013 even though he was not on our policy. Is this legal?

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Brenda Hanson
Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
Depending on your state guideline. Most policies when you sign your application you are stating that all drivers in the household are listed on the policy. In many cases the drivers are pulled up on what is called the CLUE report and it will show who is living in the home. Now if your son was not living there and you have proof that he was not and or had no license then he probably should not of been listed till you added him. Or you can request that he be excluded from the policy but if he drives any of the cars that are on the policy then he would not be covered. I would talk directly to your agent or the carrier and ask them why they added him before you requested it.

If you are not happy with you carrier or agent and feel that you have not been taken care of your State insurance commissioners office is there for you and they can contact the carrier and face a hefty fine if they were wrong.
Answered on June 18, 2013
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