An insured called his agent to inquire as to why their family auto insurance premium had increased. An agency customer service person explained that, on the basis of the insured’s statements, the son was rated a principle operator of one of the family vehicles. Further, the boy’s motor vehicle record indicated two chargeable speeding violations. After pondering this information for a few moments, the father mused: “Hmmm, I don’t think he could have been speeding during this time. When he was released from jail he went directly to the half-way house.”
Insurance coverage: Not applicable. Our agency experience: Yes.