You can also get a quote for car insurance from another provider who will not exclude.

What does excluded mean on car insurance. Any driver that is not covered by your policy or driver s that are specifically excluded from being covered and cannot use your car. Your only options in this case is to sign the papers to exclude the driver or find another insurance company. In most cases you as the driver and owner of the vehicle are the one who names this individual as being excluded from your insurance policy.

Simply put an excluded driver is someone who has access to your car but wont be driving it and therefore will not be covered under your car insurance policy. An excluded driver is an individual who is not covered by your car insurance policy in the case of an accident or incident. Most of the time its because they have too many accidents or violations and the insurance company considers them a high likelihood of causing an accident.

The most common reason for an exclusion is risk. In many insurance policies the insuring agreement is very broad. That means for example if an excluded driver hits somebody and causes 10000 worth of bodily injuries or property damage you may be on the hook for the full 10000.

In general a named driver exclusion is an endorsement added to an insurance policy that states a specifically named individual that has access to your insured vehicle will NOT be covered by the insurance provider to drive the insured vehicle. When it comes to the depreciation of your car it begins after it leaves the dealership and continues as it ages. If you find yourself in this predicament you and your spouse can both sign what is called an Excluded Driver Form which excludes them from coverage under your policy and should allow you to get a lower premium for you and other drivers in the house.

Key Takeaway A named driver exclusion excludes a specific driver from your insurance policy meaning your provider is not liable to cover them if they drive your car. Work loss coverage is often a weekly benefit paid to you and can be used for personal expenses medical bills therapy or for anything you need. Exclusions narrow the scope of coverage provided by the insuring agreement.

When you exclude a driver from your full policy you are agreeing that no policy coverages will be extended if any vehicle is used driven operated or under the control of that listed person. Insurers recognize someone living in your home or with other access to the vehicle that is a high risk. Typically this exclusion is under the personal injury protection PIP portion of a policy.