Unauthorized Driver Added to Your Auto Policy? | Dapeer Law
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Auto insurance investigation · CA · FL · NY · NJ · IL

Found a driver on your policy you never added?

Drivers in California, Florida, New York, New Jersey, and Illinois are discovering an unfamiliar name on their auto policy, often with a higher premium attached. Attorneys at Dapeer Law are investigating how insurers add these drivers, and whether it was done without approval.

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You pay nothing out of pocket. If we recover, our fee and case costs are paid from the recovery or by the defendant.   Free, confidential review.

Illustration only. Dramatization, not an actual client matter or result.

What is going on

How a stranger ends up on your policy

Insurers buy household and vehicle data from third-party vendors such as LexisNexis Risk Solutions and Verisk. Those vendors flag people they link to your address or household. Some carriers then add that person as a rated driver and raise the premium, at times without clear notice or your approval.

01

Data flags a person

A third-party data system associates someone with your household, correctly or not.

02

The carrier adds them

That person is added to your policy as a driver and your rate is recalculated.

03

You pay more

Your premium rises, and you may not learn why until you read the fine print.

Who is your insurer?

Choose your auto insurer

We are reviewing potential claims across the largest auto insurers in California, Florida, New York, New Jersey, and Illinois. Pick yours to learn more, or use the form below.

State Farm GEICO Allstate Farmers AAA / Auto Club Mercury Insurance CSAA Insurance Kemper Progressive USAA

Free, confidential case review

Check your policy in about two minutes

Answer a few quick questions about your policy. A member of our team reviews every submission and will explain your options. There is no cost to ask, and you are never obligated to hire us.

  • No attorney fees or costs unless we recover.
  • We review your policy documents at no charge.
  • Your information is treated as confidential.

We handle these cases on contingency, and you never pay us out of pocket. If we do not obtain a recovery for you, you owe no attorney fees and no costs. If we obtain a recovery, our fee and case costs are paid from the recovery or separately by the defendant, as set out in the retainer and, where required, approved by the court. Recovery is not guaranteed; every case depends on its facts.

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Submitting this form does not create an attorney-client relationship.

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Questions

What people ask us

How does your insurer add a driver I never authorized?
Insurers often buy household and vehicle data from third-party vendors such as LexisNexis Risk Solutions and Verisk. Those vendors flag people they associate with your household or address. Some carriers then add that person to the policy as a rated driver and recalculate the premium, sometimes without clear notice or the policyholder’s approval. If you found a driver on your insurer’s declarations page that you did not request, that may be what happened.
What should I do right now?
Keep your declarations page, renewal notice, and any letters or emails that show the added driver or the premium change. Do not cancel your policy before speaking with someone. Then request a free review so an attorney can look at the documents and explain your options.
Did this raise my premium?
It often does. Adding a driver, especially one the carrier treats as higher risk, can increase the premium. If your bill went up around the time an unfamiliar name appeared, that timing matters and is worth documenting.
Does it cost anything to talk to you?
No. The case review is free and confidential, and you never pay us out of pocket. We handle these matters on contingency: if we do not obtain a recovery for you, you owe no attorney fees and no costs. If we obtain a recovery, our fee and case costs are paid from the recovery or separately by the defendant, as described in the retainer. Submitting the form does not obligate you to hire the firm.
I am not sure of the exact name. Can I still reach out?
Yes. You do not need every detail to start. If you noticed an extra driver, an unexpected premium increase, or a name you did not recognize, share what you have and the team can help you pull the rest from your policy documents.
Florida
520 S. Dixie Hwy, #240
Hallandale Beach, FL 33009
(954) 799-5914
New York
156 W. 56th Street, #902
New York, NY 10019
(917) 456-9603
California
11500 W. Olympic Blvd., #550
Los Angeles, CA 90064
(323) 701-0508
Attorney Advertising. This website is for general information only. It is not legal advice, and no attorney-client relationship is created by viewing this page or submitting the form. Dapeer Law, P.A. is responsible for the content of this page. The matters described are under investigation; no court has determined that any insurer named here violated the law, no insurer named here has admitted the practice, and naming a company does not imply wrongdoing. Any policy shown is an illustration and a dramatization, not an actual client matter or result. Any statutory amounts that may be referenced are maximums set by statute, not a prediction of recovery; recovery is not guaranteed and every case depends on its facts. These matters are handled on a contingency basis and you never pay us out of pocket: if there is no recovery, you owe no attorney fees and no costs; if there is a recovery, our fee and case costs are paid from the recovery or separately by the defendant, as set out in the retainer agreement and, where required, approved by the court. When our fee is paid from the recovery, case costs are repaid first and the fee is a percentage of the remaining amount. When the defendant pays our fee separately, whether awarded by the court or agreed with the defendant, that payment does not reduce your recovery. Representation is offered with local counsel where required. Prior results do not guarantee a similar outcome. Company names, logos, and brands are the property of their respective owners and are used only to identify the insurer a consumer may be asking about.
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