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If an excluded driver is driving any vehicles on said policy there is effectively no coverage. This means no liability/property damage/collision. The driver is At Fault in the accident regardless of circumstances. They are responsible for 100% of damages, medical and property even in a No-Fault state. They will also be required to file an FR 22 for a period of years. It will cost a minimum of thousands of dollars for the excluded driver and the insured.
Example: Excluded driver is involved in a collision with a teenage driver who runs a stop sign. The teenage driver needs to be hospitalized and cared for due to intensive medical problems. The parents of the driver sue the excluded driver and the owner of the vehicle for all medical costs. $300,000.
-Insurance Agent P&C
What else can I help you with?
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
In the state of Texas If an uninsured person driving a borrowed car causes an auto accident does the driver or the owner of the car pay for the accident?
Some states are different, but in Michigan, the company who insured the car is responsible. They can then go after the uninsured driver Some states are different, but in Michigan the company who insured the car is responsible. They can then go after the driver .
In Michigan if you are in an accident not at fault and have liability insurance only is the driver at fault responsible for damages to your car?
yes
What does excluded driver mean on policy?
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.
Who is considered the at-fault driver in a car accident?
The at-fault driver in a car accident is the driver who is determined to be primarily responsible for causing the accident.
If your friend drives your car and was under the influence and crashed it would your insurance cover it?
About the only time that there is no coverage for a permissive driver is when that person has been officially excluded, in writing, prior to the accident. All normal provisions of the policy should apply. You and the driver of the car must cooperate with the investigation of the accident with your insurance company.
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.
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.
In Florida If you were in an accident and was excluded from driving the car and it was not your fault can the insurance co make the owner of the car pay for the damages on the other car?
The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.
If an uninsured driver with permission from an insured car's owner gets into an accident will insurance cover the other vehicle's damage in Texas?
InsuranceSo long as That driver was not excluded from coverage, then Yes, that driver would be covered under a standard Texas Auto Policy.
Does it cost more to excluded driver?
Having a person on your car insurance listed as an excluded driver can actually save money rather than cost more. The excluded driver will need no coverage or liability when it comes to the vehicle they are listed for.
Can a car rental company in Florida be suedIf the driver of their car caused an injury accident?
no unless the car the driver was driving was unsafe and the problem of the accident but only the driver can sue in that case.
