No. You would not be excluded. The injured party is entitled to their claim. If the insurance tries to deny for any reason, the injured party can sue the insurance company.
All roommates are not annoying. After all, aren't you a roommate?
You can find a roommate finder at the Easy Roommate website. Alternatively, you can use other roommate services such as the Roommates or Room Surf websites.
some insurances allow coverage of an additional driver with coverage but you have to ask the agent to include this in the policy.
A "roommate" is someone you share a room (where you both sleep) with. However your "roommate" is not a life partner. Two university students sharing a room would be "roommates".
There are several ways to find roommates, online or offline. You can ask your friends or co-workers if they know anyone looking for roommates. Online there are several social media sites you can use, or a dedicated roommate finder. I recommend Diggz, which let's you find roommates that would be a good fit. You can review their habits and lifestyle, see photos (if they are offering a room) and message those that you like. You can partner up with someone and find a place together, rent a room and even find an apartment on Diggz.
One can find some roommates, if in school, going to their local housing registry on campus to see if there is anyone else looking for a roommate. If one has friends, or people they know who may be looking for additional income or they need a roommate that is another option. Looking through Kijji, Craigslist, local newspapers are also was to finding roommates.
Unfortunately, yes. You are responsible to continue the leasehold even in the event of a roommates death. The roommates family are not responsible for the decedents leasehold contract, as his lawful responsibility terminates upon death. Your best option is to quickly secure a new roommate to replace the missing room mate.
You can find a new roommate by doing a general web search for roommates. Once you do that you can look through the individual websites until you find the right match for you.
Most freshman dorm rooms are doubles, and you will likely have one roommate.
Roommates can't generally "evict" another roommate; that's something a landlord does. If your roommate is not "on the lease" then they have no legal interest in the property. You can just call the police and tell them that the roommate is trespassing and you'd like them removed.
There are so many different roommate finder websites, and most are basically the same. The only one that really stands out is easyroommate.com, this website lets you search through roommates and also see a photo of the potential roommate.
Scott Orbach has written: 'How to get a great roommate' -- subject(s): Interpersonal relations, Roommates