If my car insurance company has the wrong address on file, does that invalidate my policy?

Answered by Home Insurance, Car Insurance Expert Shannon on December 25, 2020

I think that my insurance company has the incorrect address on file for me and my husband. Does this mean our policy is invalid? I'd hate to lose coverage over this.

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Home Insurance, Car Insurance Expert

This may depend on the circumstance. If the wrong address was purposely provided on the policy application in an attempt to reduce the premium, this could be considered material misrepresentation. When it happens, it is grounds for policy cancellation or denial of coverage in the event of a loss.

If the wrong address is simply a result of a typo or a recent move, there may not be coverage issues, but you should contact your insurance agent right away to report the error or the change in address to ensure that your coverage is unaffected.

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