Excluding A Driver From Your Auto Insurance Policy
If you have someone in your home that has regular access to your keys, the auto insurance company wants you to insure them. Whether you give that person permission or not, they still have access to your keys and need to be insured.
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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 that they have regular access to your keys. Since they do, they need to be added to your policy. By excluding this driver (letting the insurance company know they don’t have access to your vehicle), the insurance company will not be liable to pay for damages caused if the excluded person drives it. Of course, you would want to explain to this individual that they DO NOT have permission to drive your vehicle.
Excluding a driver requires signed paperwork to be sent to your insurance company. It’s very important you understand that once a driver is excluded, they have NO insurance at all if they drive your excluded car/cars. 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 they have no insurance coverage if they 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 possibly dealt with through the court system.
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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♦ For Auto Insurance, What is “Named Insured” and Who is it?
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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.
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