So here’s the deal… my wife and I live in different states because of work, and both of us have separate insurance policies with Progressive. I recently switched to Geico for my own car, and it seems like when Geico sent that cancellation request for my policy, Progressive somehow canceled my wife’s insurance instead. The thing is, I’m not even the policyholder on her insurance; I’m just listed as a driver.
We found out about this today via email, and now she has a gap in coverage for about a week, which could mess with her future premiums. Progressive says they won’t reinstate it and want us to open a whole new policy. Is there any way we can get them to just reinstate her old policy?
You might want to try calling again… sometimes a different rep can make a difference. Have you thought about trying to get one policy for both of you? You could let them know where the cars are located and might be able to work something out. Depends on the state and the insurance company, but it’s worth asking.
Hollis said:
You might want to try calling again… sometimes a different rep can make a difference. Have you thought about trying to get one policy for both of you? You could let them know where the cars are located and might be able to work something out. Depends on the state and the insurance company, but it’s worth asking.
Insurance rules vary by state. You usually need a policy in the state where the car is located. Learned that during my time in the military.
Hollis said:
You might want to try calling again… sometimes a different rep can make a difference. Have you thought about trying to get one policy for both of you? You could let them know where the cars are located and might be able to work something out. Depends on the state and the insurance company, but it’s worth asking.
Insurance rules vary by state. You usually need a policy in the state where the car is located. Learned that during my time in the military.
True, but having the same company for both policies can help, especially with multi-policy discounts.
Hollis said:
You might want to try calling again… sometimes a different rep can make a difference. Have you thought about trying to get one policy for both of you? You could let them know where the cars are located and might be able to work something out. Depends on the state and the insurance company, but it’s worth asking.
Insurance rules vary by state. You usually need a policy in the state where the car is located. Learned that during my time in the military.
Hollis said:
You might want to try calling again… sometimes a different rep can make a difference. Have you thought about trying to get one policy for both of you? You could let them know where the cars are located and might be able to work something out. Depends on the state and the insurance company, but it’s worth asking.
When my husband and I lived in different states, we had to have separate policies. They wouldn’t let us combine them.
Hollis said:
You might want to try calling again… sometimes a different rep can make a difference. Have you thought about trying to get one policy for both of you? You could let them know where the cars are located and might be able to work something out. Depends on the state and the insurance company, but it’s worth asking.
Yeah, I asked, but they told me it wasn’t possible since the cars are in two different states.
Hollis said:
You might want to try calling again… sometimes a different rep can make a difference. Have you thought about trying to get one policy for both of you? You could let them know where the cars are located and might be able to work something out. Depends on the state and the insurance company, but it’s worth asking.
Yeah, I asked, but they told me it wasn’t possible since the cars are in two different states.
That’s typical. Insurance is regulated at the state level, so you generally can’t combine policies across states. Even if you could, the coverage wouldn’t always transfer properly if you had an accident in a different state. It’s better to have separate policies, especially when living apart in different states.
Bryn said: Hollis said:
You might want to try calling again… sometimes a different rep can make a difference. Have you thought about trying to get one policy for both of you? You could let them know where the cars are located and might be able to work something out. Depends on the state and the insurance company, but it’s worth asking.
Yeah, I asked, but they told me it wasn’t possible since the cars are in two different states.
That’s typical. Insurance is regulated at the state level, so you generally can’t combine policies across states. Even if you could, the coverage wouldn’t always transfer properly if you had an accident in a different state. It’s better to have separate policies, especially when living apart in different states.
But his wife’s policy was canceled, not his, and she needs coverage in her own state.
Lin said: Bryn said: Hollis said:
You might want to try calling again… sometimes a different rep can make a difference. Have you thought about trying to get one policy for both of you? You could let them know where the cars are located and might be able to work something out. Depends on the state and the insurance company, but it’s worth asking.
Yeah, I asked, but they told me it wasn’t possible since the cars are in two different states.
That’s typical. Insurance is regulated at the state level, so you generally can’t combine policies across states. Even if you could, the coverage wouldn’t always transfer properly if you had an accident in a different state. It’s better to have separate policies, especially when living apart in different states.
But his wife’s policy was canceled, not his, and she needs coverage in her own state.
Bryn said: Hollis said:
You might want to try calling again… sometimes a different rep can make a difference. Have you thought about trying to get one policy for both of you? You could let them know where the cars are located and might be able to work something out. Depends on the state and the insurance company, but it’s worth asking.
Yeah, I asked, but they told me it wasn’t possible since the cars are in two different states.
That’s typical. Insurance is regulated at the state level, so you generally can’t combine policies across states. Even if you could, the coverage wouldn’t always transfer properly if you had an accident in a different state. It’s better to have separate policies, especially when living apart in different states.
Technically, insurance policies usually adjust coverage to meet the minimum requirements of the state you’re driving in, so if you have a policy in one state and get into an accident in another, it should increase to meet those standards. That said, trying to game the system by keeping an out-of-state policy could lead to trouble. It’s always best to have coverage in the state where the car is actually located.
Lin said: Bryn said: Hollis said:
You might want to try calling again… sometimes a different rep can make a difference. Have you thought about trying to get one policy for both of you? You could let them know where the cars are located and might be able to work something out. Depends on the state and the insurance company, but it’s worth asking.
Yeah, I asked, but they told me it wasn’t possible since the cars are in two different states.
That’s typical. Insurance is regulated at the state level, so you generally can’t combine policies across states. Even if you could, the coverage wouldn’t always transfer properly if you had an accident in a different state. It’s better to have separate policies, especially when living apart in different states.
Technically, insurance policies usually adjust coverage to meet the minimum requirements of the state you’re driving in, so if you have a policy in one state and get into an accident in another, it should increase to meet those standards. That said, trying to game the system by keeping an out-of-state policy could lead to trouble. It’s always best to have coverage in the state where the car is actually located.
Lying about where your car is located is insurance fraud, though.
Hollis said:
You might want to try calling again… sometimes a different rep can make a difference. Have you thought about trying to get one policy for both of you? You could let them know where the cars are located and might be able to work something out. Depends on the state and the insurance company, but it’s worth asking.
Yeah, I asked, but they told me it wasn’t possible since the cars are in two different states.
Yep, it depends on the states involved. It’s not always possible.
You’re probably giving them too many details on the phone. The fact that you switched to Geico or were listed as a driver on her policy doesn’t matter.
Your best bet is for your wife to call and simply explain that her policy was canceled without her approval and that it needs to be fixed. Keep it simple and straightforward.
Xen said:
You’re probably giving them too many details on the phone. The fact that you switched to Geico or were listed as a driver on her policy doesn’t matter.
Your best bet is for your wife to call and simply explain that her policy was canceled without her approval and that it needs to be fixed. Keep it simple and straightforward.
You should definitely ask for a second opinion. It’s worth explaining the situation again, just like you did here, and maybe ask for a supervisor. There could be a reason they’re not allowing reinstatement, though, like if she’s reinstated her policy before.
Mika said:
You should definitely ask for a second opinion. It’s worth explaining the situation again, just like you did here, and maybe ask for a supervisor. There could be a reason they’re not allowing reinstatement, though, like if she’s reinstated her policy before.
Good point, I’ll try asking for a supervisor. We haven’t reinstated before, though. We just bought the second car recently because of the new work situation, so no previous history of reinstatement.
Don’t drive the car until this is resolved. An agent should help you through this. If you don’t have one, now’s a good time to see why having one can be helpful.
Chen said:
Maybe Geico can send a reinstatement request?
Is that a real option? I’m willing to try anything, but if Geico sends a request, that could mean more days without coverage, and she needs her car to get to work.