Reader’s Question:

I used to drive an old car, a 1989 Honda Civic model. However, just recently I decided it’s time that my Honda retires and bought a new car. I awarded myself and ended buying a high performance car - Lotus Elise. I added that vehicle under my auto insurance policy. And I was shocked to receive a notice of cancellation of my policy from my insurer. The reason for the cancellation was because I owned a Lotus Elise. I think this is unfair on my part since I always pay my car insurance bills on time. Can my auto insurance company do that?

Eric

Athens-Clarke County, Georgia

I’m sorry for what happened Eric.

That exactly happened to my boyfriend too. He was driving an old car and switched to a high performance car. And what he got was a notice of cancellation from his car insurance company after he added said vehicle.

According to the Georgia Office of Insurance and Safety Fire Commissioner, adding a high performance car (like Lotus Elise in your case) could result in the change of risk on your part. As you see, driving a high-performance car makes one a high risk driver. Hence, your auto insurance company’s decision to cancel your policy is legal.

I would say now is the best time to look for another auto insurance company in Athens-Clarke County Georgia. You could ask your car insurance agent or check the websites.

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