I went to the local office of Direct General Insuance here in Deland Florida back in May to add my then-fiance as a driver on my policy. I did not have her drivers license with me at the time but was advised that the agent would make a note on the policy and I would have to proivde license info to make it final.
Within 24 hours after this I mailed a photocopy of her licese info. Between then and the time of my fiances accident I was in that same office with the same agent 3 more times (2 to pay may bill and once to add a new vehicle) and not once was I advised of any problem with adding my fiance to the account. I was accustomed to Direct being very prompt and assertive in notifying me (usually by phone) whenever a problem or concern arose on my account.
Then on July 29 my fiance was involved in a one car accident, no tickets issued. When I went to file the insurance claim, I was told by the claims representative that not only would they not pay the claim because my fiance was still an excluded driver, but that I was a liar (that's exactly what she called me) because that is not how the company would add a driver to policy and she refused to listen to any further.
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