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family in carEvery Minneapolis auto insurance policy contains a list of exclusions, which can be added onto your insurance policy as an endorsement for an extra cost. However, things such as intentional damage or drag racing are totally excluded from auto insurance policies.  It is important to note that activities aren't the only things excluded from cover, people can be excluded from cover as well. If an excluded driver is involved in an accident in your car, damages caused to your car or the driver will not be covered.  

What Exactly is an Excluded Driver?

Excluded drivers  are drivers who doesn't have permission to operate your vehicle.  This can be and driver who has had their license revoked or suspended, an under age driver, or driver who is driving alone with a learner's permit.  These drivers are excluded by state law; however, you can also add excluded drivers to your policy. Insurance companies can exclude drivers who have a series of citations, at-fault accidents or serious mental disabilities.

At the time of purchasing your insurance, you may be asked if you want to exclude any household members from driving your car.  Most people use this option to lower their insurance premiums, since the additional driver’s driving record could increase their rates.  If you choose to exclude specific persons from driving your car, you'll have to name the excluded drivers so they may be written into your policy.

What Happens if an Excluded Driver Crashes Your Car?

You are not covered.  Even if it was a no-fault accident or an accident that was caused by the other driver, an excluded driver is exempt from cover and damages to your car will not be covered by your insurance company. People usually find themselves in this position after letting an excluded driver borrow their car to run to the store or to park it and an accident occurs.  

Accidents can happen anywhere, so to keep your insurance policy intact and to have assurance that your car will be covered, do not lend the keys to any excluded drivers. This stands even if you have comprehensive cover.  If you feel you have excluded a driver in error or otherwise want to remove the named driver from the exclusion, notify your insurance company.

For more information about auto insurance or to obtain the quote call Lancette Agency at 651-264-1230.
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Lancette Agency, LLC
1322 Helmo Ave N
St Paul, MN 55128
Phone: (651) 264-1230
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