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Q: Can someone be specifically excluded on your car insurance policy?
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What is a risk specifically excluded from a homeowners insurance policy?

If you take a look at the "Exclusions" section of your policy you will see several perils which are specifically excluded. For example, if your home is damaged by "war" then your insurance company will not provide coverage for the loss. There are several excluded perils. Take a look at your policy for more examples.


What does it mean when someone is excluded from an auto insurance policy?

By excluding a person from an auto insurance policy, you are stating that the "excluded" person will not drive the insured vehicle, and that you understand that the "excluded" person is not covered by your insurance in the case of any traffic violation (accident, ticket, etc.). It means there is no coverage available to the excluded person in the case of an accident while driving the said vehicle. There will be NO COVERAGE.


What is an excluded driver in Florida?

an excluded driver is someone who IS on the policy but does not drive very often so they are excluded from driving. Alot of parents do this for their kids in college. They show up as having insurance because they are on the policy, but the parents dont get charged an arm and a leg for having them on the policyThat's WrongAn Excluded Driver is SPECIFICALLY NOT on the policy and there is NO INSURANCE if he is driving when involved in an accident. If a member of your family is named as an excluded driver, do not let them drive! In Florida, auto insurance consumers are allowed to "exclude" certain drivers from coverage under their insurance policy. This usually results in a lower premium. It also facilitates purchasing insurance as many insurers will not accept certain types of drivers. The purchaser ("insured") completes a form stating that they wish to exclude a certain driver(s) [sometimes this is part of the application for insurance and sometimes by a separate document] and the insurance company issues an insurance endorsement (additional form to the policy) that states, in essence, we do not provide coverage for the excluded driver. In Florida, an insurer cannot deny coverage for PIP or Property Damage up to $10,000 even if the driver is excluded as these are mandatory coverages.


Does your insurance cover property damage from the tenant?

No. Damage done by a tenant is specifically excluded on a dwelling policy. Tenants are considered insureds under the policy and damage done by an insured is not covered.


Will your renter insurance cover when there was a damage in parking lot with your vehicle?

Of course not. Auto insurance has to cover your car and home insurance covers your home. Damage to you car is always covered under an auto policy. It is specifically excluded under your homeowner's rental policy.


Can you drive a car if you are a excluded driver but you have your own insurance policy on a different car?

If you are excluded as a driver on a policy that means that no coverage for any type of claim will be paid on any vehicles on that policy. It also means that the insurance company will not pay for anyone else's damages caused by the excluded driver. Excluded mean no coverage at all.


What are the advantages of getting All Risk Insurance?

The biggest advantage for having an All Risk insurance policy is that it covers many perils that may happen to a property, unless the event is specifically excluded in the policy. All Risk policies are usually only written for propery insurance.


Husband has accident with my car and he's on the insurance exclusion list?

When ever a driver is excluded on a policy, the insurance company will not pay out on any claims when that person is driving. Hes excluded, he has absolutely no coverage with your insurance. If he has his own policy with a different company, he will be covered. So in general when a driver is excluded, their is no insurance coverage. Its like he was driving without insurance.


Can a co-owner of a vehicle be excluded from an auto insurance policy?

Yes they can.


If friend drives your car and hits someone but is not insured by your insurance company who pays?

generally the person who owns the car at fault involved in the accident is financially responsible. hopefully you have insurance and your friend is not excluded from your policy for some reason. if your friend is not excluded then your insurance company should pay


What perils are covered on a HO3 homeowners policy?

An HO-3 policy is considered an "all risk" policy, meaning a loss is covered unless it is specifically excluded. Review the "exclusions" portion of your policy to see what type of losses are excluded. An HO-3 policy affords an insured more protection than any other policy. I would recommend purchasing the HO-3 policy if you are in the market for insurance.


What does excluded driver mean on policy?

One of my family members was hit by a driver who carried insurance but was an "excluded" driver on the policy of the car she was driving. After talking to the other person's insurance company, an excluded driver is essentially equivalent to an uninsured motorist. That means that his/her insurance company will not represent them and that, if they are liable for the accident, your insurance company can go after them personally for the damages.