When it comes to auto insurance, an excluded driver is someone who has been explicitly excluded from coverage under your policy. Their name will appear as excluded on your policy and they will not be insured to drive any vehicle in your policy. Exclusions are provisions of the policy that exempt coverage from certain types of risks or events. An exclusion is a provision of an insurance policy or bond that relates to hazards, hazards, circumstances, or assets not covered by the policy.
An excluded driver refers to a driver that you ask your auto insurance company not to cover. Once it's removed from your policy, that person won't be able to drive your vehicle and won't receive coverage from your insurer. In general, an excluded driver is someone you choose to intentionally exclude from your policy because eliminating them will increase your premiums. However, sometimes it's the insurance company that wants the exclusion. So can your insurer force you to exclude a driver from your policy? About six months after removing your child from your car insurance coverage, you think the way you act has changed.
Exclusions are usually found on the coverage form or on the causes of loss form used to create the insurance policy. For example, most insurance policies don't cover damage caused by wear and tear on a vehicle or home. While you generally won't be able to buy war coverage, you may be able to get coverage for natural disasters if you take out a separate disaster insurance policy. Then, your insurer and you will sign an endorsement to confirm that the named driver will no longer be covered if you drive one of your insured cars. If you decide to exclude the driver, it means that that person will not be able to legally drive any of your covered vehicles or receive the protection of your policy. Like most things that aren't covered in your insurance policy, negligence and intentional loss fall under the category of things you can prevent.
The policy exclusions create a balance between covering incidental losses (losses that you could not have reasonably prepared for) and the need to remain creditworthy to pay those claims. That's why it's important to read your insurance coverage carefully and buy additional coverage if there are any gaps. While most of the exclusions are found after the main coverage sections of your policy (called hazards, personal property, personal liability, additional coverage, and medical payments to third parties), you'll also find exclusions in the definitions, conditions and endorsements sections. There are some risks that insurers exclude because they can be easily mitigated or significantly reduced if the insured takes appropriate precautions or measures. An exclusion is an event (hazard, accident, incident, or allegation) that an insurance policy will not cover.
Whether you or your insurance company would like to exclude a certain driver from your car insurance policy, you should be prepared to pay higher premiums. For example, if a driver gets furious while driving and purposefully crashes their car into another vehicle, their car insurance policy most likely won't cover damage to the insured's car, even if they had a comprehensive car policy.
