What Happens When An Excluded Driver Is Involved In A Not-At-Fault Accident?

If you're married and/or have children, you may have multiple drivers listed on your auto insurance policy. This may especially be true if several people share the same vehicle. But on the other hand, there may be certain people that you do not want driving your car. This may be because this person:

Is not trustworthy or responsible
Has DUIs or other driving infractions
Has a felony conviction
Does not have a license
Has a terrible driving record

Whatever your reasoning, you can list specific people you want excluded from coverage on your car insurance policy. This means that if an excluded person is driving your car, he or she will not be covered if an accident occurs — even if the car is being driven in the case of an emergency. If this driver is high-risk, then excluding him or her from coverage can result in reduced premiums.

But what happens if this excluded driver takes out your car anyway and is involved in a not-at-fault accident? In a normal scenario, the at-fault driver's insurance would step in to cover your loss. However, once the at-fault driver's insurance provider discovers that the other driver is excluded, the claim could be denied. And the owner of the car would likely be responsible for paying the damages out-of-pocket.

This means that not only could you be out thousands, but the at-fault driver could get away without financial repercussions. Essentially, whether or not an accident is caused by the excluded driver, the car owner could be in for some financial woe.

If you have an excluded driver listed on your auto insurance policy, it's in your best interests to take every possible step to prevent that person from getting behind the wheel of your car.

Need to change the details of your policy? Call Lancette Agency, LLC at (651) 264-1230 for more information on St Paul, MN auto insurance.

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