What is the name of your state? What is the name of your state? Pennsylvania
Recently chose to scout for better rates on insurance. Been with the same insurance agency for 6 years. Found three companies willing to quote rates. Upon receiving the quotes, I requested to apply. ( Note: Each was 40-60% lower then what I pay). Filed the appropriate paperwork. Received the response that "in order to process we will need the medical history of all members in the household". One of the family members declined since they have there own auto insurance and consider 'medical' information between patient and doctor to be private . I proceeded to explain this to the agent at which point he stated "without the proper documents we will need to decline our offer to cover your automobile". With that I am stuck with higher rates merely because an underwriter has the final say in Pennsylvania. Is there no way around this guideline? I even so much as offered proof that the other member had his own insurance carrier, yet that didnt seem to convince the agent. I have a clean driving record, decent income, and have had my license consistantly for 20 some years now. Are there laws to protect and aide the consumer when it comes to insurance underwriters? What avenues might be available to see legislation change in favor of aiding the honest drivers willing to pay decent rates for decent coverage?
Recently chose to scout for better rates on insurance. Been with the same insurance agency for 6 years. Found three companies willing to quote rates. Upon receiving the quotes, I requested to apply. ( Note: Each was 40-60% lower then what I pay). Filed the appropriate paperwork. Received the response that "in order to process we will need the medical history of all members in the household". One of the family members declined since they have there own auto insurance and consider 'medical' information between patient and doctor to be private . I proceeded to explain this to the agent at which point he stated "without the proper documents we will need to decline our offer to cover your automobile". With that I am stuck with higher rates merely because an underwriter has the final say in Pennsylvania. Is there no way around this guideline? I even so much as offered proof that the other member had his own insurance carrier, yet that didnt seem to convince the agent. I have a clean driving record, decent income, and have had my license consistantly for 20 some years now. Are there laws to protect and aide the consumer when it comes to insurance underwriters? What avenues might be available to see legislation change in favor of aiding the honest drivers willing to pay decent rates for decent coverage?