0
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.
Add your answer:
Earn +20 pts
Does it cost more to excluded driver?
Having a person on your car insurance listed as an excluded driver can actually save money rather than cost more. The excluded driver will need no coverage or liability when it comes to the vehicle they are listed for.
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.
Who is responsible for a accidents costs the owner of the car or driver?
the accident is cover by insurance if the driver did not have insurance but the owner dose then it should cover for uninsured motorist if the driver was not a excluded driver of the vehicle a excluded driver is like a relative that lives the the policy holder but is not on the policy as a driver
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.
What if an excluded driver has an accident in your car in Michigan?
If an excluded driver is driving any vehicles on said policy there is effectively no coverage. This means no liability/property damage/collision. The driver is At Fault in the accident regardless of circumstances. They are responsible for 100% of damages, medical and property even in a No-Fault state. They will also be required to file an FR 22 for a period of years. It will cost a minimum of thousands of dollars for the excluded driver and the insured. Example: Excluded driver is involved in a collision with a teenage driver who runs a stop sign. The teenage driver needs to be hospitalized and cared for due to intensive medical problems. The parents of the driver sue the excluded driver and the owner of the vehicle for all medical costs. $300,000. -Insurance Agent P&C
Who is responsible when the driver of the vehicle was excluded from the insurance policy?
Car insurance typically follows the owner of the vehicle, not the driver. In the cae of an "excluded driver", unless that driver has his own policy that assumes coverage for a "borrowed" car, the original vehicle owner would be considered pursuable as an uninsured motorist.
How do you get insurance when one spouse has DUIs and a suspended license and the other has a clean driving record?
Excluded High Risk DriversYou can exclude the spouse with the bad driving record from the policy. Since their license is suspended they can't drive anyway. Be careful of the excluded driver option, however. With an excluded driver endorsement, there is NEVER any coverage for the excluded driver -- EVER. Sounds pretty obvious until that person gets behind the wheel and wipes out a busload of nuns. Interestingly, people tend to forget all about being an excluded driver under those circumstances.hahaaa where we live there is no public transportation. I got excluded driver ins. but i am not comfortable with it but the payments for other insurance is over my head at the time being. thank you for your advice on this question.
Can a named insured be an excluded driver on an automobile liability policy in New Mexico?
A named insured person can be an excluded driver on an automobile liability policy in New Mexico, if the policy holder wishes to remove a driver from the policy. The policy holder will have to notify the insurance company to make the changes.
Driver excluded on your policy but carries insurance on own car totals your car will either one pay?
If an excluded operator wrecks a car that is covered by the policy excluding that driver there is no coverage on that policy. Your only hope is in filing the claim with the company that insures the driver for his own car. It is possible that you won't be left holding the bag on this one but good advise is to not let an excluded person drive your vehicle.
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.
How do you become an Illinois resident?
Move to Illinois, live there, get a driver's license and pay taxes there.
Can I exchange my Maryland driver's license for an Illinois license?
If you're a resident of Illinois, then yes.
