Strangers added to your auto policy? You may be owed a refund of overcharged premiums.
Some auto insurers use third-party data to add drivers you never authorized, then raise your premium. When that happens, you may be owed a refund of the overcharged premiums, and in some cases additional statutory damages under federal and state consumer protection laws. Results depend on your specific facts.
If your insurer added a driver you never authorized, the law may be on your side.
Check your eligibility
Six quick questions. About two minutes. No obligation.
You may qualify if:
- You live in California, New York, or New Jersey and have, or recently had, an auto policy
- You were insured by a major carrier at some point since 2020
- You got a notice about a driver you didn't recognize or authorize
- Your premium went up after that driver was added
- No new driver actually lived with you or used your car
- You paid the higher premium
Why adding an unauthorized driver may be illegal
Some auto insurers buy third-party data to guess who else might live at your address, then send a notice that an unrecognized driver is “associated with” your home. If you don't respond within 15 days, they may add that person to your policy and raise your premium, without your consent and without verifying that the driver actually lives with you.
Because that practice can rely on consumer-report data, it may violate the federal Fair Credit Reporting Act, as well as state consumer-protection statutes. Affected drivers may be able to recover statutory damages, a refund of the inflated premiums, and attorneys' fees and costs.
If your auto insurer added a driver you never authorized and raised your premium as a result, you may have a claim. Dapeer Law represents consumers in these matters on a contingency basis through locally licensed co-counsel where required. There is no fee unless we recover for you.
How it works
Check Eligibility
Answer six quick questions. Takes about two minutes on your phone.
Free Case Review
A Dapeer Law team member follows up to discuss your situation. No obligation.
No Upfront Cost
If we take your case, we work on contingency. No fee unless we recover.