Anybody here want to get screwed by an insurance company?

call a lawyer

They should have proof of the exclusion. If they can't provide the signed exclusion endorsement signed by you, then they can't take the coverage away. Have you asked for that? It's very uncommon for an insurance company to disclaim or deny coverage based on an excluded driver and not have the proper documentation to show for it. But I will note your advice about them.

Any time there is an excluded driver on a policy there is a form that needs to be signed either by you or your wife (sometimes both) and it states that you know she is an excluded driver and that if anything happens you realize there is no coverage for damages.

Ask for a copy of the exclusion form showing that you signed it. If they can't give you a copy, you have coverage.

Direct generic is a sub favourite corporation which sells very affordable coverage with the aid of self sufficient brokers, as mbrcatz reported there seems to be extra to this, did you sign a named driving force exclusion to your significant other or did you in basic terms no longer point out her to the agent? Even they does no longer danger a foul faith declare against them, they extra suitable than a favourite corporation can no longer arise with the money for that. in case you experience your spouse became indexed on the coverage and not excluded then you definately ought to document a criticism against them with the entity that regulates coverage on your state, yet once you excluded her or skipped over her you will might desire to make the perfect of that paper weight. with the aid of the way a high quality corporation won't insure you in case you want to exclude your significant other.good success !!!

i own a repair shop,and yours is one of many i have heard about that insurance,,i tell you what id probably do,,is get a lawyer and sue them,,i don't know if you could win,,but if you have any kind of a paper saying shes a covered driver ,,you could win this,,and she should be on the insurance papers also,id sure try ,,your going to be at a great loss here if you cant do anything about it,,get all your papers out from them you might find something that you can use,,good luck with this,i wish you the best of luck on it,,and happy new years,

blb is right. Go the route she recommends and also contact your State's Dept of Insurance/Insurance Commissioner and file a complaint (provided you never agreed to have her as an excluded driver). They will contact the insurance company regarding your complaint and investigate the matter. You can find your insurance commissioner's office here:

http://naic.org/state_web_map.htm