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    Posted by MAIA on Mar 26, 2020 12:00:00 AM

    This question was answered based upon current rules, regulations & statutes in effect on February 19, 2020

    Personal auto policy, individual rents a room with several other “housemates”/Roommates.  He doesn’t speak to them, no idea who they are. 

    Carrier is asking to be added to his auto policy.  There a ruling on this? 



    Irene Morrill:  I have heard of insurance companies doing registry “searches” on the addresses and asking the named insured who people are that have the same address and to give them a “good” reason not to add these people as customary operators.

    The MA application and policy requires that the named insured inform the company of “customary operators”  …or they can invoke general provision 18 False Information:

    18. False Information

    If you or someone on your behalf gives us false, deceptive, misleading or incomplete information in any application or policy change request and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts of this policy.  Such information includes the description and the place of garaging of the vehicles to be insured, the names of all household members and customary operators required to be listed and the answers given for all listed operators.  WE may also limit our payments to those amounts that we are reuired to sell under the compulsory coverages of this policy.

    All optional coverage claims can be denied and Parts 1-4 are reduced to compulsory limits.

    Honestly, how can you NOT at least know the names of the people you live with.  I find that a “bit odd”.  However, if not “household members” then I don’t see how the carrier can force the addition of these drivers and your insured could file a “consumer complaint”

    However, I would caution my client that if these people do drive …then they have a HUGE reduction in coverage.

    This document is not a legal opinion and should not be relied upon as such. The intent of this document is to provide a general background regarding the topic or topics discussed, not to provide legal advice. Producers and agencies should consult an attorney regarding specific situations and specific questions with respect to the topic or topics covered in this document. Neither the Massachusetts Association of Insurance Agents, Number One Insurance Agency nor any of its employees shall be responsible for any errors or omissions regarding any statements made in this document, nor any errors or omissions regarding any statutes, regulations, court rules, and/or any other government documents cited in this document.

    Topics: Registry, 2020

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