Excluding a Driver from Your Auto Insurance Policy
Re-posted on 7/1/20
If you have someone in your home that has regular access to your keys, and the auto insurance company wants you to insure them because they have regular access to your keys. Whether you give that person permissions or not, they still have access to your keys.
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What is an Excluded Driver?
The insurance company may make you insure them on your policy whether you want to or not. The sticking point in this matter is do they have regular access to your car and the keys? If they do, they need to be on your policy. If you remove the risk from yourself, and the insurance company, from paying any damages they may cause to your car or to anyone else’s car (by excluding them from your policy), this may be the solution for everyone. Of course, explaining this to your excluded driver, that they are not on your policy, and they do NOT have permission to drive your car because they are not insured, will also help stop any mistakes.
This is solved by “excluding” that driver. This would require paperwork signed and sent to your insurance company. It’s a real thing that requires acknowledgement and signatures. It’s very important you understand that once that driver is excluded, they have NO insurance at all while driving your excluded car/cars. Excluded is excluded. No if’s, and’s, or but’s. So, if your excluded driver wants to borrow your car, and either one of you forget that they’ve been excluded from your policy, and they get into an accident, you could be held liable.
If you have someone in your family, or living in your household that really doesn’t care about your financial well-being…and they drive recklessly, you could exclude them from your policy. Explain to them that they are not permitted to drive the car and have no insurance coverage to drive your car. You’d want to explain to them that if they drive your car without your permission, that violation will have to be dealt with through the court system possibly.
Signing documentation with your insurance company and excluding someone is no light matter. Excluding a driver should be done to protect yourself and your wanted drivers on your policy. You must protect your policy. Because any infraction that happens to anyone on the policy will affect your rate. By excluding someone off your policy protects both you and the insurance company from covering someone you both do not wish to cover.
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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation. You should consult your policy for exclusions or other language that may alter your policy.