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Can a co-owner of a vehicle be excluded from an auto insurance policy?
Wiki User
∙ 13y ago
Yes they can.
Wiki User
∙ 13y ago
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What does it mean when someone is excluded from an auto insurance policy?
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.
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.
Who is covered under your insurance policy Will your insurance cover your niece to drive your car?
Yes, if she has not been previously excluded in writing. If she is going to be a regular operator of the vehicle then she needs to be listed as an operator on the policy. An automobile insurance policy coveres named insured, family and anyone who with PERMISSION drives the vehicle.
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
Do you need auto insurance when you don't own a car?
not generally.........insurance stays with the car...............in other words, unless you or ''other drivers'' are excluded from a vehicle policy, whomever drives that vehicle WITH PERMISSION is an ''insured driver'' of that vehicle.
If a friend uses a insured car and he totals it will progressive insurance cover the damages?
As long as the friend is not excluded on the policy, and you have collision coverage on the vehicle and policy, then most likely yes..
Can someone be specifically excluded on your car insurance policy?
yes
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.
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.
Husband has accident with my car and he's on the insurance exclusion list?
When ever a driver is excluded on a policy, the insurance company will not pay out on any claims when that person is driving. Hes excluded, he has absolutely no coverage with your insurance. If he has his own policy with a different company, he will be covered. So in general when a driver is excluded, their is no insurance coverage. Its like he was driving without insurance.
What is a risk specifically excluded from a homeowners insurance policy?
If you take a look at the "Exclusions" section of your policy you will see several perils which are specifically excluded. For example, if your home is damaged by "war" then your insurance company will not provide coverage for the loss. There are several excluded perils. Take a look at your policy for more examples.
