Choosing The Right Motorcycle Insurance

Tips For Excluding People On Your Auto Insurance

by Joel Wheeler

If you have a new driver on your auto insurance plan, or just want to make sure your ex-spouse is never covered in your car, learning how to exclude people from your insurance plan is a priority. Here are some tips for doing just that.

What are Exclusions?

An exclusion is what happens when you submit a form to your auto insurance company asking to exclude a certain driver from your coverage. Once you have this written on your policy, you cannot be penalized for that driver's actions on your insurance.

However, it is important to note that once you have excluded a driver, they cannot drive your vehicle and be covered in the event of an accident. Any damage incurred would have to be paid for out of pocket.

Driver Exclusions

You can have several different kinds of driver exclusions on your insurance. For example:

  • You can specifically name a person as being excluded. This would be necessary when considering a new driver in the family learning for the first time.
  • You can exclude anyone you deem as a high-risk driver from your insurance.
  • You can exclude certain types of damages from being covered under your insurance, depending on your individual policy.
  • You are also excluded from auto insurance for certain kinds of weather events. Depending on your policy, hurricanes and tornadoes can exclude your vehicle from being covered in the event of damage to your car under one of those circumstances.

Excluded Coverage in Your Policy

Insurance policies also exclude coverage under certain circumstances. If you are taking a delivery and will be compensated for your trip, some auto insurance policies will exclude you from coverage in the event of an accident.

Most auto insurance policies exclude coverage for intentional damage to the vehicle or fraud. Some insurance companies even exclude coverage for certain vehicles if it is significantly less safe than a normal, average vehicle. Any illegal activity committed by someone while driving the vehicle excludes you from coverage under all auto insurance companies.

If you want to exclude a specific driver or are interested in learning more about exclusion policies, you should talk to your auto insurance provider for more detailed information. Excluding a driver is a simple process and eliminates the hassle of small claims court if something happens to your vehicle with an unauthorized, excluded person driving. Exclusion laws differ by state, so be sure to check your state's policy on local auto insurance exclusions.

For more information, contact a company like Central Florida Insurance Agency of Town 'N' Country. 

Share