Sometimes you want to keep a driver from getting behind the wheel of your car. This driver could have little to no experience driving or has a history of reckless driving.
You can do this by listing those drivers as an excluded driver on your auto insurance policy. Excluding those drivers from your vehicle insurance is the proper way to do it, as simply not listing drivers on the car insurance policy at all is an entirely different thing.
Continue along with this post to see what the difference between excluding drivers from your vehicle insurance and not listing those drivers at all is and what an excluded driver on a car insurance policy is.
What Does Excluded Driver Mean?
An excluded driver would usually be a driver in your household, and you regularly have contact with. You specifically list those drivers as an excluded driver because they are either a young driver, or a teenager, have a spotty driving history, have a medical history that can affect their driving, or you can’t pay the extra insurance premiums rates a new driver would come with.
During the auto insurance process, your car insurance company usually will require a list all members of your household. If they are drivers, then they usually will be accounted for on the vehicle insurance policy and be covered by your auto insurance policy while they’re driving your car and even in the case of an auto accident or collision.
Any drivers you feel that can’t and won’t be using your car will have to be excluded specifically from the auto insurance policy which is required to drive. An excluded driver can be left off for as long as you see fit, and they can easily be included on the vehicle insurance policy.
How Can a Driver be Excluded?
In order to exclude a driver from your car insurance policy, all you need to do is talk to your auto insurance company.
However, there are some state regulations regarding excluding drivers from your vehicle insurance. For example, Michigan, Kansas, New York, Virginia, and Wisconsin prohibit excluded drivers in vehicle insurance. Some other states require that you provide proof of an auto insurance policy for the excluded drivers and that they have liability coverage.
What if an Excluded Driver Causes a Car Accident or a Collision?
If an excluded driver is in an accident or a collision, you may be on the line for any damages the excluded driver cause to other drivers and their vehicles since they are not covered by your specific vehicle insurance policy, they are basically uninsured drivers.
Excluded drivers in a car they drove without your permission can also be reported as car theft.
How is Removing a Driver From a Policy Different?
An example of a removed driver is a driver who moves out of the household. This can be a housemate moving or a child leaving for college. They are labeled as such is because they no longer have access to the car on the auto insurance policy.
This can be done by contacting your auto insurer, given that the driver in question has moved out of the household with the car and the driver will no longer covered by your car insurance.
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