Friday, 3 February 2012
Excluded Drivers Can Be Added To Insurance Coverage By Request
You’re allowed to exclude a driver from your auto insurance policy in most states and you’re allowed to reinstate the person at a later date if you wish and the insurer agrees. Once you name somebody as a driver exclusion they’ll remain ineligible to drive your car on the insurance policy until you ask the insurance company to lift the exclusion or until the company informs you that they’re stopping the exclusion.
An exclusion allows you to name somebody you don’t want driving your car or a specific vehicle on your policy, for whatever reason. However, in rare instances you may have to name the driver exclusion each time you renew the policy. An excluded driver won’t be covered at all under your policy if they drive your vehicle.
The most common reason people name an excluded driver is because they have a bad driving record and if they live in your home your rates could possibly be higher because the insurer assumes they have easy access to your vehicle. They’re usually considered to be high-risk drivers because of their poor driving record. In some cases, the insurance company may even ask you to exclude a driver in your household.
Each policy is different, but in general, the excluded driver remains as an endorsement on the policy for the life of it. It’s something you should look into though just in case your policy requires you to name the exclusion each time it’s renewed. If the driver exclusion is ongoing you can change your coverage and add another auto to it without having to request an exclusion because it’s still the same policy.
If, for some reason you’d like to allow the person to drive your car and be included in the policy you just need to contact the insurance carrier and ask them to remove the exclusion. Also, if the person lives in your home and moves out you can ask the insurer to discontinue the exclusion.
Allowing an excluded driver to operate your vehicle could be very expensive if they’re involved in an accident. Even if they didn’t cause the accident they may not be allowed to claim for damages to the vehicle in some states.
Posted by at 3:34 PM in Auto Insurance
