I hope I am posting this in the right place. I need to find out what experiences others have had in obtaining automobile insurance and homeowner's insurance after they get out. I have a friend with about 2 years left on his sentence and he wants to be prepared once he gets out. I am finding out from different insurance companies that they won't insure anyone with a felony whether it's car or home.

Anyone had any luck?

I've never heard of felons not being able to get insurance. This is my husbands second term and when he was out we didn't have any issues with him getting any kind of insurance. :confused: Interesting. Sorry I can't be of more help...hopefully someone will have an answer for you. Good luck!

I have never had any problems getting health, home or car insurance in the five years since I have been released. Its not ever even been a question on any of the applications that I have completed for coverage.

I'm actually an insurance agent, and there is nothing that states you cannot have insurance if you are an ex-felon. Credit is a factor and driving record. If you have good credit and a good DMV better rate, but no one would be denied auto insurance it's mandatory in most states anyway. Life insurance may be a problem since there are questions about drugs you've taken and if you have been convicted of a felony, it's a high risk to insurance companies to give life insurance to someone who may end up in prison again. There are companies out there that sell life insurance to ex-felons but it would be pricey. PM me if you want more info about insurance questions.

My autoinsurance agent said they could not insure my son because he was has a felony, . . .would have to go to someplace like "Progressive", . . .I was shocked also.

Then i know of someone here in Arkansas the said thier loved one walked into a non-high risk insuranceagent and had no problem.

Not sure what we'll do. "Insurance, the Great American Rip-Off" :angry:

Liberty Mutual didn't have a problem...don't tell them and they won't know.

Farm Bureau specifically denies felons

Im a licensed P&C agent in Ohio, and I work with about 12 companies....there IS a question about felonies on auto apps, but almost no one actually uses a paper app anymore. Most agents in OH wont even ask that question.

Insurance companies ask for your driver's license number and they more than likely run it through the system to see if there is an outstanding warrant. They check your driving record as part of their risk assessment -- driving record and credit is what sets rates. I believe that is correct.

THERE IS NO WAY FOR SOMEONE NOT IN LAW ENFORCEMENT to check for outstanding warrants anywhere in this country...if they are doing it, it's illegal!

NCIC (National Crime Information Computer) and any state's computer system is not available to anyone who is not in law enforcement. Colorado you can run an arrest check on someone online and pay for it, but it only applied to the Colorado Bureau of Investigation, not federal.

All insurance companies can do is check driving history and credit. Even background checks that are run are for arrests/convictions...outstanding warrants will not be on there.

With that being said, my husband has had no issues getting full coverage insurance. They never even asked. He's had insurance through Farmer's and Liberty Mutual and the cost was competitive. He was without a license for 5 years do to non-payment of child support not traffic violations. Insurance companies do charge more if you did not have previous insurance otherwise there is no issue.

Im an insurance agent here in Ohio and yes, insurance is based MOSTLY on credit/MVR however, the agent very rarely runs the MVR, the carrier (company providing the insurance) runs it before it is quoted and license status will come back as well as the violation data but its not going to say THIS PERSON IS A FELON AND IS INELIGIBLE or whatever it will just say valid/invalid and the actual violation....now if its drug trafficking, that may pose a problem, but in my few years as an agent, in one of the top firms in my area, I have yet to see one so I dunno. If you have any specific questions PM and i will try and answer them as best as I can

Thanks for starting this thread. I would have never thought they would be denied things they need as not to break the law. Wow....amazing!

Wow, this horrible engine just ate my post. Thanks, now have to re-type. I hate this.

PEMCO in WA state asked if anyone in my household had been convicted of a felony. There was no time span associated with the question. The question was asked via telephone when adding someone to my home owners policy. They said it was for "underwriting sake".

Would like to know if anyone has a good ins co in WA State that does not ever ask any questions about criminal history. I will switch to such a company.

Could an insurance company could deny a claim if the claimant was found to have lied over the telephone in relation to such a question?

Note to ins companies: US has 1/4 of all the worlds prisoners. Ex-cons are not a small group. Don't discriminate against us or we'll boycott you.

I would post reference links on this, but this stupid engine won't let me. Lame. Note to Admin: there are much better ways to limit spam. Based on your captcha engine I doubt you have much of a spam problem anyways. Don't be so restrictive, please.

Please, by all means, feel free to voice your opinion here. But do not publicly take on Admin about issues you may have about the function of our site.
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If you have valuable information worth sharing with other members here, I am sure you can find several places to post supportively until you meet the requirements...and then you can share your information with the group. We would all be interested in learning of insurance information regarding felons.
Thank you for your interest in PTO and in the sharing of knowledge. Knowledge is power. Sharing is caring.

Let me ask... Is there a real problem with spam on this site?

Was there a time before this 25 post minimum when there was a real problem with spam on this site?

Just curious...

Thanks GG...not that I want to cause problems but we have all had to comply with the rules in order to stay on PTO. It is what it is. It's not to make anyone's life more difficult it's to protect us all. We support each other and look out for each other, that's what PTO is all about.

As for insurance, Liberty Mutual is a national company and has agents in Washington state and as I stated in my previous post neither Liberty Mutual nor Farmers cared about my husband's past convictions, only about his driving record.

Let me ask... Is there a real problem with spam on this site?

Was there a time before this 25 post minimum when there was a real problem with spam on this site?

Just curious...

Spam is universal.
We do our best to protect our members from such annoyances.

"As for insurance, Liberty Mutual is a national company and has agents in Washington state and as I stated in my previous post neither Liberty Mutual nor Farmers cared about my husband's past convictions, only about his driving record. "

Thanks! This is very useful. But this was for auto insurance, right? Anyone know about property insurance?

thanks

Liberty handles both and you get a discount if you do auto and property. They will be handling the property insurance on my home and they never asked anything about my husband. They did the quote a couple of weeks ago.

Im an insurance agent here in Ohio and yes, insurance is based MOSTLY on credit/MVR however, the agent very rarely runs the MVR, the carrier (company providing the insurance) runs it before it is quoted and license status will come back as well as the violation data but its not going to say THIS PERSON IS A FELON AND IS INELIGIBLE or whatever it will just say valid/invalid and the actual violation....now if its drug trafficking, that may pose a problem, but in my few years as an agent, in one of the top firms in my area, I have yet to see one so I dunno. If you have any specific questions PM and i will try and answer them as best as I can

I have a close friend who lives in the Cleveland area who has been convicted of a small, rediculus white colar felony in Massachuttes recently. No jail time and he may be able to dispute it in the future, the company is under investigation and he ended up in their mess. His insurance agent recommended going with another company to save money and now he and his wife have lost ALL of their insurance. Car, home, everything in the blink of an eye because it asked the crime question.. These are good christian, hardworking people and I am just trying to help them find info. If you have any helpful information PLEASE let me know!
Thank You!

So, the companies to check and suggested here are LIberty Mutual, Farmers and Progressive... any others ???thanks - THIS is a good question to ask

So, the companies to check and suggested here are LIberty Mutual, Farmers and Progressive... any others ???thanks - THIS is a good question to ask

Does anybody know where I can get my husband some life insurance while he is incarcerated?

My husband has coverage through my job. 100,000.00. They don't ask you anything and generally offer it during open enrollment.

getting car insurance would be a problem. I got out close to a year ago now and it has been an uphill battle let me tell you, but at times it seems as though the system is fighting me the whole way. A couple of days ago my wife went in to speak with her insurance agent and is told that I am not and in fact will not get coverage because I am a felon. They will give me coverage five years after my conviction. I only served 9 months on an 18 months sentence so I basically have 4 years to go. I need to drive .. I don't even have a job and my p.o. is on my case about getting one now my wife is worried she will lose her coverage if i drive her car. I don't know what to do but if anyone can offer some information about car insurance in Nevada I would appreciate it greatly. Thank you in advance!
J