First of all, the excluded driver should not be driving the vehicle the person is excluded from driving. The vehicle owner's insurance company will NOT cover that excluded person in an accident. As a result, the excluded driver AND the vehicle owner will be held accountable for any accident the excluded driver may get into in that vehicle. Also the driver and possibly the owner could get cited for the driver driving without insurance if it is found they are excluded from the policy and thus driving uninsured. Now, there can be various reasons why an insurance company will not remove an excluded driver. One may be that the excluded driver is a member of the policy owner's household. You will need to speak with your insurance company to find out why they will not remove the excluded driver from the policy. In the meantime, DO NOT ALLOW THE EXCLUDED DRIVER TO DRIVE THE VEHICLE(S) ON YOUR POLICY. As for the speeding ticket, the ticket will go on the excluded driver's motor vehicle report. I do not believe anything will happen to the policy owner.
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