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One of my family members was hit by a driver who carried insurance but was an "excluded" driver on the policy of the car she was driving. After talking to the other person's insurance company, an excluded driver is essentially equivalent to an uninsured motorist. That means that his/her insurance company will not represent them and that, if they are liable for the accident, your insurance company can go after them personally for the damages.

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โˆ™ 2008-03-23 01:23:23
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Q: What does excluded driver mean on policy?
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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.


Can a named insured be an excluded driver on an automobile liability policy in New Mexico?

A named insured person can be an excluded driver on an automobile liability policy in New Mexico, if the policy holder wishes to remove a driver from the policy. The policy holder will have to notify the insurance company to make the changes.


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


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.


Driver excluded on your policy but carries insurance on own car totals your car will either one pay?

If an excluded operator wrecks a car that is covered by the policy excluding that driver there is no coverage on that policy. Your only hope is in filing the claim with the company that insures the driver for his own car. It is possible that you won't be left holding the bag on this one but good advise is to not let an excluded person drive your vehicle.


If you loan your car to a friend and they wreck your car is your insurance responsible?

yes. plain and simple. you lent the car and then they are a permisable driver. As long as they are not n excluded driver or a resident in your house. It depends, if your policy is a named driver & the driver is not named, your policy will not respond. If your policy is a standard auto policy then yes, your policy will respond.


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 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 your son in law who lives with you covered for an auto accident injury to him by someone else?

Perhaps. Do you have him listed on the policy as required as a driver. If he lives in your household your policy probably requires you to have him listed as a driver or excluded.


Is there a Grace period for California for adding teen driver?

No there is no grace period, you bare ether included in a policy or you are excluded.


Can a teenager drive their parents car when their not on their parents policy?

In OKlahoma all licensed drivers in the household must be listed as a driver or listed as an excluded driver for the policy to be valid. Anything else would result in a fraudilent policy and may get cancelled.


Can a named driver still drive on a banned drivers insurance policy?

Yes, most states allow drivers to be excluded.

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