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Q

If you have an excluded person on your policy you let them drive and the person gets a ticket for speeding, what will happen to the policyholder and the excluded driver? I have asked for the excluded driver's name to be taken off my policy, but the insurance company said they can't do it. Do you know why?


A

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.

If you are going to allow the excluded driver to operate your vehicle then you need to change the excluded driver's driving status to eligible which may increase your insurance premiums since they will pull their motor vehicle record and see this speeding ticket. If your rates do rise you can come here to get a quote for automobile insurance in California (and any other state in the United States) to compare your rates.


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2 Responses to "If you have an excluded person on your policy you let them drive and the person gets a ticket for speeding, what will happen to the policyholder and the excluded driver? I have asked for the excluded driver's name to be taken off my policy, but the insurance company said they can't do it. Do you know why?"
  1. Anonymous

    i had the same question

      Reply»  
  2. Anonymous

    you have answered my question very well, thank you for all the information

      Reply»