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QuestionInsurance Question  If my husband is listed as an excluded driver on my insurance and had an accident in my car and totaled it out, will my insurance pay for damages to my car and the car the other car?

AnswerAuto Insurance Answer

No, if you excluded your husband from your auto insurance policy then coverages will not be extended to him as a driver. Thus neither your car nor the car he hit would be covered under your insurance policy.

If the named excluded person drives an insured vehicle, there is no residual liability insurance in effect (nor collision or comprehensive coverage), and the owner of the vehicle and those legally responsible for the acts of the driver may be held personally liable for damages and injuries in the event of an accident in most states.

When you have an exclusion on your policy it means that the items or people listed there are not covered by your policy terms.

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