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Can a car insurance company charge for adding a non-driver?

My wife and I were recently a couple of years ago. I didn't drive, and hadn't had a valid license for something like 7 years before that, and I still don't, so it has never occurred to us there was any reason to notify the car insurance company. I recently called up my wife's insurance company to do some stuff my wife didn't have time to do, and I identified myself as her husband. They started to get all weird and say I wasn't noted on the policy and that they were going to have to add me, even though I don't drive and haven't in years (now about 9 years, maybe 10). Can they try to charge us more for this? Furthermore, if they do, will it be retroactive or carry some other penalty? Could it cause later trouble if we basically refuse to give them any information about me? Edit: I used to have a license, but I had untreated sleep apnea, causing me to fall asleep when I drove, leading to several accidents. I chose to stop driving for safety's sake, but I never turned in my license, keeping it as ID (although i never renewed it when it expired). I found out much later that because I had paid some ticket but not some surcharge that went along with it, my license had actually been suspended. So I have no idea what my driving record really looks like now, but it may not be good. I used to assume I was officially unlicensed since I had never renewed my license, even though I had not turned it in. Now I have a state-issued non-driver's ID card, which means I am definitely, officially, unlicensed.

Public Comments

1. No they can't charge you and don't have to have you listed as a driver when you are not But if the vehicle is in both your names for ownership, you would have to be added on their records for who to pay money to in case of a claim, . one other possibility, is they want authorization fromyour wife for you to deal on her behalf with the insurance company. For this they would have to add you to the files None of this should cost money.
2. There assumption is that everyone living in the home drives the vehicles and by you not being on the policy you are cheating them because your wife's insurance probably has coverage if some one else needs to drive the vehicle for any reason. Of course they are trying to sell insurance as well. If you truly do not drive the vehicles then I would tell them that you were willing to sign a document ( rider ) that states that you do not drive and therefore you are not covered in the event that you are driving and have an accident or else you are going to switch companies. I went through this with my girlfriend who lived with me a few years back so I just told them that she moved out. They couldn't prove any different and she was still covered.Tell them that your seperated and you just visit from time to time. You are under no obligation to provide them any information about yourself.
3. Well, I only passed my drivers exam 4 years ago, but before that time, I had to give the insurance company a written statement that under no circumstances would I drive the car, even though my name was on the title (we share everything!!) if I ever drove the car, I was to understand I would get into even more trouble as I had signed the statement etc. But, the insurance company told me, they were supposed to ask your marital status, how many drivers at licensed age lived at the address etc. Maybe you should give up your license and get a government I.D Problem is, if you have been diagnosed with something like that you are supposed to declare it, and then your rates go up, therefore, penalizing your wife, and her ability to get cheaper insurance. They would not insure my husband 5 years ago unless I signed the document.
4. by law your are suppose to inform insurance companys any licenced drivers in the household otherwise if they really wanted to they could cancell you for misrepresentation (this would then stay on yours and your wifes history for 3yrs or so depending on state) They cant charge you more as a penality for not informing them, but will add you if you do have a valid licence and the premiums could go up if youve had any tickets (most states 3yrs) accidents (most states 6-10yrs) If your lic has been suspended or lapsed you should have no worries as they cant add you without a valid lic. Two options you can look into is: 1. go to the ministry and ask for an abstract or lic status this will give you the status of your lic and ticket info 2. Give your agent your information but ask to sign a 28A this has to be signed by yourself and your wife to state you will not drive the veh. and this way they dont have to rate you on your wifes policy
5. Easy question,no.Not solvable question,no.Check out this information,your answer might be here.http://car-insurance.online-tips.info/california-car-insurance-quote.html