Choosing Excellent Insurance Coverage

Five Important Things To Know About Named-Driver Exclusion From Auto Insurance Coverage

Car insurance companies generally assume that an insurance coverage extends to everybody in a household. However, you may be allowed to name specific people that you want to be excluded from your coverage. This is called Named-Driver exclusion, and here are five things you should know about it:

Some Carriers Don't Allow It

There are auto insurance carriers that won't allow you to exclude drivers in your household even if you want to. For such carriers, if there is a person in your household that they cannot cover, then they will simply exclude the whole household; i.e., they won't sell you coverage. Such carriers may not sell you coverage, for example, if you have a household member with multiple DUI convictions in their driving history.

Some States Don't Allow It

Some states have laws that prohibit named-driver exclusion. The rationale behind such laws is that named-driver exclusion goes against public policy, which is to ensure that everyone behind the wheel is insured. In such states, neither you nor the insurance carrier can exclude a household member.

It Doesn't End Automatically

Another thing you should know is that the exclusion doesn't end automatically; you have to end it. For example, if you have excluded a teenager from your policy because they are a dangerous driver, don't think that the exclusion will automatically terminate at the end of the coverage policy; it will apply for all subsequent renewals. Rather, if you are convinced that an excluded drier should now be brought back into the fold, you have to specifically request it from the insurance company.

The Exclusion Applies 100%

You should also know that once a driver is excluded, they are excluded from all situations whether foreseeable or not – there are no exceptions. For example, you might think that the insurance company would look the other way if you experience a heart attack and the excluded drier drives you to the hospital. However, it doesn't work that way at all; the excluded driver is not allowed to drive your car under all circumstances.

It's Not All Pros, There Are Also Cons

Lastly, you should know that whereas most people focus on the benefits of excluding a dangerous driver; it does have its disadvantages. One of the disadvantages has been highlighted above – the excluded driver isn't allowed to drive even in an emergency. Another disadvantage is that unless you keep the excluded driver physically away from your car, they may be tempted to drive it at one time. If they do that and cause an accident, it will be on you and them to deal with the damages.

To learn more about this and other insurance exclusions, visit sites like