If you live with someone who has little driving experience or has had car accidents or DUIs, you may want to list them as an excluded driver on your auto insurance policy. To keep a driver off your auto insurance policy, you will need to add them as an excluded driver. You may be thinking, what if I just don’t add them to my car insurance policy? But excluding a driver, not adding them at all, or adding them and then removing them are all different. Read on to learn more.
What Does Excluded Driver Mean?
An excluded driver is someone who lives with you and is intentionally not included on your car insurance policy. You may want to exclude a driver for many reasons, including:
- Driving history
- Financial reasons
- Medical history
All household members should be made known to your car insurance provider, especially those with driver’s licenses. They don’t have to be listed as covered drivers on your policy, but you need to disclose all household members when applying for auto insurance. Your car insurance company will use that information to include or exclude certain people on your car insurance policy.
If you have children who are old enough to drive, they may be required to be on your policy. But if you have children who are in college, they may be listed as occasional drivers, or they may not be listed at all, it depends on your insurance.
What is an excluded driver? Simply put, an excluded driver is someone who has access to your car, but won’t be driving it and therefore will not be covered under your car insurance policy.
How to Exclude a Driver from a Car Insurance Policy
You will need to contact your insurance company to complete a named driver exclusion form. Every state is different, and not all states allow excluded drivers. Michigan, New York, Kansas, Wisconsin, and Virginia don’t allow named driver exclusions.
In some states, you can only exclude a driver if they can provide proof that they have car insurance.
What Happens if an Excluded Driver Gets in an Accident In My Car?
In most states, excluded drivers are not covered at all, and you would be responsible for the damages. Other states require limited liability coverage for excluded drivers.
If the excluded driver takes your car without permission, you can report the car stolen. Depending on the laws of your state, you may not be held responsible.
What is the Difference Between Excluding a Driver and Removing One?
A driver is usually removed from a car insurance policy once they move out of the home. All licensed drivers in your household should be listed on your policy. An excluded driver is someone who still lives with you, and has access to your car but will not be driving it. This can include children, roommates, elderly relatives, etc.
How To Remove Someone From Car Insurance Policy
To remove someone from your car insurance policy, call your insurance company. Depending on your provider, you can log in to your policy online and do it yourself. If the insured driver still lives with you and has access to your vehicle, your insurance company may not remove them from your policy, or they may ask for proof of other coverage.
How Long Does a Driver Exclusion Last?
The driver exclusion will remain until you ask for it to be removed.
Can I Make an Excluded Driver Eligible to Drive Again?
Yes, speak with your insurance agent.
If you have any questions about removing drivers from your insurance or excluding drivers on insurance, be sure to call your insurance company for help. Every state has its own rules, and every insurance company handles removing drivers and excluding drivers differently.
If you need reliable and cheap car insurance, contact Freeway Insurance at (800) 777-5620. We specialize in providing affordable car insurance to all types of drivers, including high-risk drivers. When you call, our experienced agents will give you a free car insurance quote. You can also request an auto insurance quote online.