I went to a job interview at the newest Young America office in the Cleveland, Ohio area. I was the only candidate already licensed, with knowledge of Insurance. They said I was over qualified. The other guy they held over for an interview had previously flunked the insurance licensing exam. They said that I would have to not only hire, manage, sell, market, claims, service, search for leads, but also clean the restroom and stay in the office almost 60 hours a week. And they would start me at around $400 a week. They were trying to scare me away, as they only seemed interested in Latino and Black candidates. Their insurance products are not yet approved in Ohio. From what I know now, maybe the state should look a bit closer at this company. Reading the reviews, there is a long history of clients not understanding what they purchased. That sounds to me like their sales agents push more for sales than to help the insureds understand what they purchased. If you do purchase from this company, you should keep the Department of Insurance informed about how they sell and service their products. If you end up buying a policy from someone not licensed to legally sell in Ohio, you should notify the Department of Insurance. If they fail to fully inform you about what you are purchasing, you should call the Department of insurance.
About the "drivers not listed on the policy.: Check with your state and see what the state insurance law says. Regardless of what your policy says, the insurance company agrees to comply with state insurance law. And in most states, whoever drives your car is automatically covered by the insurance policy on the car. You should contact your State Insurance Department and make a complaint against Young American. You may find that they will turn around and cover the claim, rather than tangle with your state DOI. Even "State Minimum Insurance" is required to comply with insurance law.
And, regarding the due date changing, you should also complain to DOI. That is an unfair business practice, which should be reported. With insurance law, you can not be charged for reporting a complaint to a DOI, but the insurance company will have to pay the fees of the DOI for their inspectors to investigate the claim.
