Can a titled driver be excluded in Illinois?

Answer 1

This not a matter of state law or regulation but one of individual companies. Many insurance companies will not exclude any owners, drivers, or household members. Others might. Your question is going to be why is the person needing to be excluded. Most companies will not exclude the named insured on a policy. This is what you are asking as the vehicle insurance policy must be insured by the owner. Occasionally, if the owner has never been licensed or is older and no longer able to drive they might exclude them but still have the policy in their name because the own the vehicle. They are going to be very cautious that the owner has the drivers of the vehicle properly listed on the policy. Getting Grandma to buy a car in her name for the 18 year old that is really driving it won't fly and if they get a hint that this is what's going on not only will they not pay claims that are suspicious, they will cancel the policy at the first chance. Be truthful and go to an independent insurance agent who represents several different companies and they can help you by going to the different markets on your behalf and getting you the best policy at the best rate.