Excluded Drivers On Auto Insurance

An excluded driver is a designation on an auto insurance policy that a specific person will not be covered by the insurance.

Excluded drivers on auto insurance. Some insurance policies come with a named driver exclusion it states that one or more individuals in your household may not operate the insured vehicle. Simply put an excluded driver is someone who has access to your car but won t be driving it and therefore will not be covered under your car insurance policy. However having an excluded driver listed on your car insurance policy could cost more than not listing the driver on your policy at all. If the driver is excluded due to being a high risk driver it can save money because high risk drivers can be expensive to insure.

But excluding and removing mean different things to an insurance company. This can be done either by the policyholder or the insurer. Often the driver is excluded due to being a high risk driver and high risk drivers are expensive to insure. No some providers do not allow a driver to be excluded.

Medicare and medicaid participants may need proof of enrollment. It s important to know what an exclusion is and which exclusions might be written into your policy so you make sure you have the coverage you need if and when an incident occurs. An excluded driver is someone in your household that has been explicitly removed from your car insurance policy. An excluded driver is someone you intentionally remove from your auto insurance policy.

This is typically done by signing a driver exclusion endorsement there are several reasons you might want to exclude a driver. Do all insurance carriers allow driver exclusions. Listing a driver as excluded is usually cheaper than adding them to your car insurance policy. If an excluded individual drives the car and gets into an accident the insurance company doesn t have to pay for the damage.

How to exclude a driver from a car insurance policy you will need to contact your insurance company to complete a named driver exclusion form. An auto insurance exclusion is a provision that is written into your car insurance policy that excludes coverage for a particular driver or situation. There are a number of reasons a policyholder or insurance company might consider this but it usually comes down to one simple word. Listing a driver as excluded is usually much cheaper than adding them as a covered driver.