So this just happened (Keep in mind, I pride myself on writing policies fast & accurately; Thus the name Auto Insurance EXPRESS)......
ATTEMPT 1
ME: Do you or your husband have any tickets or accidents in the last 3 years?
She: No. I dont think so.
:::Go through policy process and toward the end, the website runs an MVR on this person showing their licence is suspended, thus requiring an SR-22. I must now start the process all over to re-rate & add this properly.
ATTEMPT 2
Rate still mysteriously increased
Me: Does your husband have a suspended license cuurrently too because the rating is still higher than im quoting?
She: No. I dont think so.
> Since unsure, I have to log on to the BMV's website directly to clarify husbands license status---- suspended (shocker).
ME: I have to rewrite this policy once again and issue an sr-22 for both of you.
She: Oh okay. I guess he never took care of that. Can I just leave him off the policy??
Me: Ahhh Hell Naw!