No. of Recommendations: 1
It sounds like this isn't a GEICO problem. It sounds like it is a state law problem.
Yes, you are correct. Seems that requirement to list everyone in the household, whether they drive or not, is in the 2019 "reform".
From the net sifter:
Yes, other major insurers like AAA, Progressive, and State Farm also require listing all household members, including non-driving children, due to Michigan's 2019 auto law, leading to similar claim denials or cancellations as GEICO, though they might handle specific cases differently; it's a state-wide requirement, not just a GEICO issue.
Key Details:
Michigan Law: A 2019 Michigan law requires all household residents, regardless of age or driving ability, to be listed on auto policies, particularly for Personal Injury Protection (PIP) coverage, which is tied to the household.
Other Insurers Involved: Reports indicate that families with AAA, Progressive, and State Farm policies in Michigan have also faced similar claim denials or cancellations for failing to list children.
Reason for Denials: Failing to list a household member is a breach of the insurance contract, allowing companies to deny claims or cancel policies, as seen with GEICO and others.
Industry Standard: Insurance providers, including Progressive and State Farm, confirm this requirement, directing customers to the Insurance Alliance of Michigan for specifics, which emphasizes full disclosure for proper coverage
The "Insurance Alliance of Michigan" is the insurance industry bribe distribution consortium in Michigan.
Steve
