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What Does an Excluded Driver Mean?

Sometimes you want to keep someone from getting behind the wheel of your car. They could have little to no experience driving or has a history of reckless driving. You can do this by listing them as an excluded driver on your auto insurance policy. This is the proper way to do it, as simply not listing them on the policy at all is an entirely different thing. Continue along with this post to see what the difference is and what an excluded driver on a policy is.

What Are Excluded Drivers?

An excluded driver would usually be someone in your household, and you regularly have contact with. You specifically list them as an excluded driver because they are either a young driver, have a spotty driving history, have a medical history that can affect their driving, or you can’t pay the extra rates a new driver would come with. During the insurance process, you’re usually required to list all members of your household. If they are drivers, then they usually will be accounted for on the policy. 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 policy.

How a Driver Can be Excluded

In order to exclude a driver from your policy, all you need to do is talk to your insurance provider. However, there are some state regulations regarding the matter. For example, Michigan, Kansas, New York, Virginia, and Wisconsin prohibit excluded drivers. Some other states require that you provide proof of an auto policy for the excluded driver(s) and that they have liability coverage.

What if an Excluded Driver Causes Damage?

If an excluded driver is in an accident, you may be on the line for any damages they cause since they are not covered by your specific policy. 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 one 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 policy. This can be done by contacting your provider, given that the driver in question has moved out of the household with the car.

Even if you have a less than favorable driving record, Insurance Navy can help you find affordable auto insurance. Get a free cheap car insurance quote online or call us at 888-949-6289.

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