What Is an Excluded Driver on a Car Insurance Policy?

When should I exclude a driver from my car insurance?

If a family member will no longer be driving your vehicle, you can exclude them from your policy in most states. There are times you might not want a license family member covered on your policy due to the impact their condition could have on your agio. For exercise, if a driver has multiple accidents or violations on their motor fomite report that negatively impact the cost of your car insurance, excluding them from your policy could lower your rate. however, some states prohibit excluding anyone in your family who is of driving senesce .
A family extremity ca n’t be excluded if they plan to drive your car, even occasionally, because any accident an excluded driver is involved in gain ’ t be covered by your insurance company. If you give person outside your family permission to drive your car ( besides referred to as “ permissive use ” ) and they aren ’ thyroxine rated on your policy, any accident they ’ re involved in may be covered by your insurance company, depending on your state and insurance company .
College-age children should remain as rat drivers on your car policy if they drive your vehicle for any reason. If your college scholar keeps a vehicle at their campus address, they may need a separate policy depending on your state and provider. Learn more about car indemnity for college students .

When should I remove a driver from my auto policy?

If a family member will nobelium longer drive any of the vehicles on your policy and they ’ re permanently moving out of your dwelling, you can remove them from your policy. Note that “ removing a driver ” and “ excluding a driver ” are two unlike things. After you remove a driver, their diagnose will be taken off your policy.

What happens if I exclude or remove a driver from my insurance policy and they get in an accident with my vehicle?

If a driver was removed from your policy because they moved out of your home, but uses your vehicle with your permission and causes an accident, then your car policy company may cover any damages or injuries, depending on the submit and insurance company.

If a driver that was excluded from your policy uses your vehicle and causes an accident, your car insurance party is n’t under obligation to cover any damages or injuries.

How do I exclude a driver from my car insurance policy?

To exclude a driver from your insurance policy, contact your car indemnity company and fill out and sign a driver exclusion form. however, be mindful that the rules for excluding drivers vary by insurance company, and not all states allow for exclude drivers .
Some states specifically do n’t allow named driver exclusions at all. other states may allow excluded drivers but require them to have their own car policy before they can be excluded from your policy. And other states may place restrictions on which drivers or which coverages can be excluded. Be indisputable to check with your insurance company .
stream progressive customers can log in to their policy to make updates or call us at 1-866-749-7436 to discuss removing a driver from their policy .