I OWN THREE VEHICALS ON ONE OCCASION ONE OF MY VEHICLES WAS CAR JACKED IN PHILLY, SO I CALLED THE INSURENCE TO LET THEM KNOW, SOON AFTER THAT THE VERY SAME DAY THEY RECOVERD THE CAR NOTHING WRONG WITH IT OR NO DAMAGES, SO I LEFT THE CLAIMS DEPARTMENT KNOW THERE WAS NOTHING WRONG WITH MY CAR.NOW REMIND YOU IM AT WORK AND A FRIEND OF MY FIANCE HAD A LICENSE SO I FIGURED THAT WAS FINE...WRONG BECAUSE A COUPLE MONTHS LATER THEY SEND ME A LETTER STATING THAT IT WAS GOING TO BE CANCELED AND REFUSAL OF RENEWAL STATING THAT THE GUY WHO DROVE THE CAR WAS UNLICENED, NOT TO MENTION IT THEY HAD HIM DOWN AS MY FIANCE, , , VERY WRONG.SO MY FIANCE WENT WITH THE DRIVER TO THE OFFICE TO SHOW THEM HE HAD A LICENCE AND DID NOT LIVE WITH ME...I NEVER HEARD OF A PERSON WHO DOES NOT LIVE WITH YOU AND ONLY DRIVE YOUR CAR ONE TIME, , HAS TO BE ON YOUR POLICY TO DRIVE YOUR CAR.