Not sure what you are asking since the insurer has not yet tried to raise your rates. Why was your name not on the declarations page if you bought the insurance?
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.
You might want to re-post your question - don't understand. Who is on the declaration page - your mother etc? Why not just call Nationwide for an explanation
This is not intended to be legal advise or as legal representation. I am a California personal injury attorney . Be aware that every state has its own statute of limitations; and statutes & case laws that govern the handling of these matters.
You should talk to Nationwide and get clarification. You should take your info to a couple of local agents for other opinions.
Actively practicing law in Texas. Inactive licenses in Arizona and Georgia. All answers are general in nature and no attorney/client relationship exists in this forum.