Auto Insurance Claims: Hit a deer in NC in husbands car, licensed drivers, premiums

Question
Hi Richard,
I was recently driving my husband's car when a deer jumped in front of me and damaged the hood and lights.  I rarely drive my husband's car, and he didn't have me listed on the policy.  He reported the accident and now his insurance is telling him that he is going to have to pay his deductible (of course) plus back-pay premiums with me as an added driver which they say total an extra $1068.00 for 6 months.  Doesn't that amount sound completely ridiculous to you???  Plus, are they even allowed to make him back-pay premiums, I thought the insurance followed the car??

Answer
Hi Jennifer,

When you purchase insurance, you are required to list all licensed drivers in the household. If they are charging that much it must be because you have tickets or accidents on your driving record.

I hope this helps
Richard Hixenbaugh