What is the name of your state?Florida
I had car insurance with Pricilla Taylor insurance agent in 2002. The reason I chose them is because they offered the most reasonable insurance for my under age son who was about 16 or 17 at the time. Within 3 - 5 months I had my son dropped from my Floridian insurance policy. In 2004 my agent asked me would I be interested in switching to Nationwide because they offered better rates. I told them yes. When I went in to sign the forms I was asked would Steven (my son) be a driver and I said no. A month or so later I received a bill with an additional with $430 added. I called Nationwide to inquire and they said because I have a teenage driver in my house. I told the Nationwide agent (I was also telephone conferenced in with my insurance agent Prisilla Tayor Ins) that my son does not stay in the household nor the state and that he's been in the USAF since 10/03) and is currently stationed in Summter, SC and that he has not changed his address on his license because he does not have a vehicle and is not driving. Although I told my insurance agent that Steven would not be a driver, she did not have me sign the proper form at the time I signed all the other forms. After the fact the agent asked me to come in to sign the form that Steven is not driver on my policy. But Nationwide still billed me. After going back and forth with them, I got fed up and went to Allstate Insurance. Nationwide sent the $430 to collection.
Am I obligated to pay? If so why? Do I need a lawyer? Would having my son send me a notarized letter stating he has not lived in my house since 10/03 and sending it to the collection agent do any good?
Help!
I had car insurance with Pricilla Taylor insurance agent in 2002. The reason I chose them is because they offered the most reasonable insurance for my under age son who was about 16 or 17 at the time. Within 3 - 5 months I had my son dropped from my Floridian insurance policy. In 2004 my agent asked me would I be interested in switching to Nationwide because they offered better rates. I told them yes. When I went in to sign the forms I was asked would Steven (my son) be a driver and I said no. A month or so later I received a bill with an additional with $430 added. I called Nationwide to inquire and they said because I have a teenage driver in my house. I told the Nationwide agent (I was also telephone conferenced in with my insurance agent Prisilla Tayor Ins) that my son does not stay in the household nor the state and that he's been in the USAF since 10/03) and is currently stationed in Summter, SC and that he has not changed his address on his license because he does not have a vehicle and is not driving. Although I told my insurance agent that Steven would not be a driver, she did not have me sign the proper form at the time I signed all the other forms. After the fact the agent asked me to come in to sign the form that Steven is not driver on my policy. But Nationwide still billed me. After going back and forth with them, I got fed up and went to Allstate Insurance. Nationwide sent the $430 to collection.
Am I obligated to pay? If so why? Do I need a lawyer? Would having my son send me a notarized letter stating he has not lived in my house since 10/03 and sending it to the collection agent do any good?
Help!