Auto Ins co. added someone to my policy without consent

I received a letter from my insurance carrier yesterday stating that they've adjusted our policy to add a person to our policy. The person they added is the daughter of the family that we purchased our home from nearly 3 years ago. I don't know this person. I've never had any contact with this person. But the insurance company decided that because they once lived at this address that she should be covered under our auto policy (and the ensuing rate increase that comes with it).

I called our independent agent who apparently got this fixed...but I'm still f***ing pissed. I did not add this person. We received no communication that this was happening or even a possibility before it did happen. I filed a complaint with Texas Dept. of Insurance...but I'm still f***Ing pissed. I want blood. How is this anything other than fraud on the part of the insurance company?

 

It is an affiliate of Allstate...so yeah. They claimed they sent me a letter and that my non-response was somehow approval. I never received a letter. Also, from what I can tell, they have to have verbal or written approval from me to do that. They didn't get that either.

 

I don't think it's fraud on her part. I think it's fraud on the insurance company's part. The Wells Fargo analogy is exactly what I said to my agent this morning. They're making transactions and changes to my account without any approval from me. If that's not fraud, I don't know what is.

I've seen a couple of cases online where the insurance company does a search on an address of a customer, finds someone with that address associated with them, and, if they're driving age, assumes that person should be on the current homeowner's policy. They claimed they sent a letter to me (they didn't) saying that if I didn't respond in a certain amount of time, they're adding the random person...regardless of if I want them on there or not. They don't get to make changes like that to policies without actual approval from the customer.

 

That totally makes sense...had they actually contacted me to confirm or done even a basic search to see if there's any connection between the teenager's name and mine. Or to maybe do just one more search on that person to verify if she lives here or not. The first result I got of her shows that she lives in Magnolia. Instead, they risked that I wouldn't notice and would just keep on paying via auto-pay. Now they'll lose the 3 policies I have with them because they couldn't take an additional 10 seconds of internet search time.

They definitely should...but they don't. No one has been able to produce a copy of it either.

 

Exactly what they were trying to do.

I ended up speaking to their local sales rep. She was a b**** from the moment I said my name. She blamed it on a bad fax machine. In 2018...she actually blamed it on a bad fax machine. My point to her was that there shouldn't have been a search in the first place. And when there was, a very easy verification would've shown that the person doesn't live in my house and is in fact married and lives in another town (Magnolia). I wasn't yelling but then she kept telling me to calm down.

I was seriously blown away that in 2018, a fax machine was the cause of...well...anything.