If you have a family member who threatens your driving reputation and your quotes, it might be a good idea to choose to exclude your family member from an auto insurance policy. There are some downsides to exclusions, such as the negative effect this decision can have on your rates and possibly your relationship with the excluded. But there are some circumstances where it is necessary.
Applying For An Exclusion
Before you consider excluding a driver, you will need to determine if driver exclusions are even allowed in your state. To request an exclusion, you should issue the request in writing. There may be extra forms and paperwork that you are required to fill out. Ideally, you should converse with an insurance agent to determine if this is the best option.
When To Get An Exclusion
An example of an exclusion might be an irresponsible roommate who might choose to drive your car without your permission. Also, those who have repeatedly been caught driving while under the influence or who have committed other driving violations would be great candidates for exclusion. Literally anyone who you live with can be considered a driver, even if someone normally does not drive your car. It is possible that someone whom you live with might drive the car in an emergency.
An auto insurance exclusion is considered to be an extreme scenario that should only be used when other solutions have been exhausted. Anyone who can be a driver who lives in your home should be listed on your policy if you do not intend to specifically exclude him or her.
What Happens If An Excluded Individual Drives Your Car
If the individual whom you excluded has auto insurance, any damages caused by his or her driving habits with your car would be covered by his or her insurance policy, which would then pay for all damages. However, if the individual whom you excluded does not have car insurance and you allow him or her to drive, you would still be liable for the accident.
Removing A Driver From The Exclusion List
Once the driver exclusion has been put in place, it will remain until you ask for the exclusion to be removed. You may choose to remove the exclusion because of the higher rates that result from choosing this policy, but make sure that you are comfortable with allowing the previously excluded driver to drive.
Applying For An Exclusion
Before you consider excluding a driver, you will need to determine if driver exclusions are even allowed in your state. To request an exclusion, you should issue the request in writing. There may be extra forms and paperwork that you are required to fill out. Ideally, you should converse with an insurance agent to determine if this is the best option.
When To Get An Exclusion
An example of an exclusion might be an irresponsible roommate who might choose to drive your car without your permission. Also, those who have repeatedly been caught driving while under the influence or who have committed other driving violations would be great candidates for exclusion. Literally anyone who you live with can be considered a driver, even if someone normally does not drive your car. It is possible that someone whom you live with might drive the car in an emergency.
An auto insurance exclusion is considered to be an extreme scenario that should only be used when other solutions have been exhausted. Anyone who can be a driver who lives in your home should be listed on your policy if you do not intend to specifically exclude him or her.
What Happens If An Excluded Individual Drives Your Car
If the individual whom you excluded has auto insurance, any damages caused by his or her driving habits with your car would be covered by his or her insurance policy, which would then pay for all damages. However, if the individual whom you excluded does not have car insurance and you allow him or her to drive, you would still be liable for the accident.
Removing A Driver From The Exclusion List
Once the driver exclusion has been put in place, it will remain until you ask for the exclusion to be removed. You may choose to remove the exclusion because of the higher rates that result from choosing this policy, but make sure that you are comfortable with allowing the previously excluded driver to drive.
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