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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.
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Can a co-owner of a vehicle be excluded from an auto insurance policy?
Yes they can.
Are children covered on your auto insurance?
They should unless you have excluded them. It is best to have all household members on your policy.
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.
How do you get auto insurance for the first time when other drivers in your home don't have insurance and you don't want to put them under your policy?
Easy, you just buy an auto insurance policy and exclude the other residents from coverage by use of form 515A. Be aware though that if any of these excluded drivers are involved in an accident while operating your vehicle, The accident and any resulting damage will not be covered under a policy from which they are excluded.
How do you remove someone from your auto policy?
Call your insurance agent and ask for them to be removed from your policy.
Why is damage to watercraft or trailers excluded?
Because watercraft is usually covered by your home or renter's insurance. The trailer can either be included on your home insurance or on your auto insurance but you must have the trailer listed on your auto policy in order for it to be covered there.
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.
Is It illegal to take someone off my auto insurance policy without telling them?
no
Does your foreign wife need to be added as a driver to your auto insurance?
All members of the household need to be listed on the policy, if she is not licensed then she will need to be listed but excluded.
Can someone not on an auto insurance policy make changes to it?
no, and the privacy act applies as well
Can you get insurance on auto that is not in your name?
You can pay for insurance on an auto that is not yours...but the policy must be the titleholder's policy.
Does homeowners insurance cover damage of your car in a house fire?
no motor vehicles are excluded - it would be covered under your auto policy provided you have comprehensive coverage.
