Exclude driver policy

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Chat now to ask Flo anything or explore commonly asked questions. New car. New coverage. New things to know. How your auto policy covers severe weather accidents. How boat docks are covered by insurance. See how location impacts your insurance. Average homeowners insurance cost. Get quote. Zip Code. Select a product Currently selected product. How do you want to share? Matous recommends that people contact an independent broker to review options when there's a problem driver before calling the insurer directly.

No, and this is a common misperception. Even if the excluded driver takes the wheel in a medical emergency, the insurance company will argue it doesn't have to pay out in the event of an accident.

You would personally be on the hook. Hopefully, the person is no longer a high-risk driver at this point and will be accepted by your insurer. Get Quotes. By Karen Aho Posted : July 19, 6 min read. Compare Auto Insurance Quotes Please enter valid zip. I am married. I own my home. Let's take a look at excluded drivers and how going about excluding someone from your insurance. A flawed driver -- a teen with tickets or a spouse with DUI convictions can increase your car insurance rates.

Some states and insurance companies allow you to exclude flawed drivers and save money. Several states don't allow exclusion at all as they essentially create uninsured drivers. You'll have to ask your insurance company to add the excluded driver back on your policy as a covered driver. Sounds risky. Why would I even want to exclude a driver? Why would I get penalized for my son's or father's bad driving?

Sign me up. How do I exclude my teenager from my car policy? However, it's best to let the driver know you have excluded them, so they can secure coverage elsewhere. A named driver does not have to live at the same address to be listed on your auto insurance. If your friend or relative at a different address regularly drives your vehicle, you should name them as an operator on your car insurance policy so they are properly covered if they get into an accident.

If you give an uninsured driver permission to drive your insured vehicle, they should be covered under your auto insurance policy if they get into an accident, unless you have them listed as excluded on your policy.

However, you should always check with your insurance company or read your policy before you let someone drive your car to make sure they are covered. Adding a driver will usually increase your insurance premiums, but the amount of the increase will depend on the driver's experience behind the wheel and their driving record. If they have a clean driving record, your rates may decrease or only increase slightly. But if the driver has a ticket or at-fault accident on their record or is an inexperienced driver, your car insurance premiums could increase substantially.

If you want to remove an excluded driver from your policy, you have to contact your insurance company. The company will decide if the driver qualifies for exclusion removal and if so, will reinstate their insurance privileges under the policy.

Simply removing a driver from your policy differs from removing an excluded driver. If someone no longer lives at your address, you can remove them without as many extra steps.

But if they are listed as an excluded driver, the insurance company gets to make the decision. More Democrats view abortion rights as high priority: survey. Load Error. Microsoft and partners may be compensated if you purchase something through recommended links in this article. Found the story interesting? Like us on Facebook to see similar stories. I'm already a fan, don't show this again.