auto insurance - 'refusal to renew'? help?

[elizzza811]

Regarding my auto insurance, I just received a 'refusal to renew' because of my seizures. So as of February, neither of my cars is insured (with them anyway). I'm confused though. Here is the situation...

My license was revoked due to seizures back in May (I think?), so no driver's license for me. My husband, however, does have a valid driver's license.

I have 2 cars.

- One I own. It is registered and titled in my name only.
- The other one I don't own (it is being financed), but the loan for it is in my name only, and it is registered in my name only (though my husband had to sign for me to register it, since I've no driver's license).

What confuses me about this 'refusal to renew' is that, though everything is in my name only, the policy itself is in BOTH my name and my husband's, and they evidently are aware of this since the refusal was addressed to the both of us.

My question...am I being refused because, without a license, I shouldn't even be named on any auto insurance policy right now? Or are they refusing me because they see me as a 'risk' period, and they don't want to assume that risk ever, with or without my name on the policy and with or without my doctor's approval to drive sometime down the road.

Also, if I were to take my name off the policy completely and we were to put the policy in my husband's name alone, might I be able to get around this? Or since the car itself is insured and not so much the driver - my neighbor could drive my car, have an accident, and still be covered under my auto insurance - could the fact that the car is sitting in the newly insured's driveway (my husband's) prevent this, just because I live under the same roof and could potentially drive it? And if that's the case, wouldn't it be the same as refusing someone auto insurance because a 13 year old is living in their home and could potentially take their car keys, drive it, and crash it?

I'm bumming. They gave me info on a 'high risk' insurers, but that has to be expensive.

[elizzza811]

I should also ask, is it even okay to have a car registered in your name if you suffer from seizures and have no driver's license? (I live in PA.) I'm assuming it is since they let me do it (though my husband had to sign)?

[Nakamova]

They should provide a reason for the refusal to renew -- call them to find out exactly why. But given that they referred you to a "high risk" insurer, it's probably that they consider you too risky to cover. They aren't under obligation to do so. It's like health insurance companies and pre-existing conditions...

[Rae1889]

Yes they need to provide a reason why they are not renewing it.

I know several friends who DO NOT have a license, let alone one that is suspended that buy cars. They are registered as a non-driving car owner. and This is to simply, own a car. Plus if your license is only on hold, they have no right to refuse to insure your vehicle because you have 2 members in your family that drive, and your husbands name is on it as well. It is up to your own judgement not to drive.

Just because there is alcohol for sale, does this mean they arent going to renew ANYONEs license because of the POSSIBILITY that they may drink and drive?

[elizzza811]

I spoke with my insurance agent, and apparently the reason the policy isn't being renewed is because I haven't maintained a current and valid driver's license. She did mention the possibility of just listing me as a 'non-driver' because of my seizures. I'm not as freaked out because she sounded very reassuring on the phone. Whew, I feel better. Thanks for all your input...