Covered excluded drivers

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 · In most states, excluded drivers are not covered at all, and you would be responsible for the damages. Other states require limited liability coverage for excluded drivers. If the excluded driver takes your car without permission, you can report the car stolen/5().  · If you decide to exclude the driver, it means that individual won't be able to legally drive any of your covered vehicles and receive protection under your policy.  · To exclude someone from coverage under your car insurance, you need to file a driver exclusion form with your insurer. The driver exclusion form may include all or some of these components: Your name. Your policy number. Make and model of the insured car, or a description of the car. The names of any excluded drivers.

An excluded driver is an individual who is not covered by your car insurance policy in the case of an accident or incident. In most cases you, as the driver and owner of the vehicle, are the one who names this individual as being excluded from your insurance policy. In most states, excluded drivers are not covered at all, and you would be responsible for the damages. Other states require limited liability coverage for excluded drivers. If the excluded driver takes your car without permission, you can report the car stolen. If you decide to exclude the driver, it means that individual won't be able to legally drive any of your covered vehicles and receive protection under your policy.

An excluded driver is someone who lives with you and is intentionally not included on your car insurance policy. You may want to exclude a driver for many. Re: Named Driver Exclusion in Commercial Auto Liability Policy liable for any accidents or losses occurring while a covered automobile of the employer. г. This news will not make you happy. Not only is the named excluded driver not covered, you are not covered since the policy is in your name. You.