Named driver exclusions indiana

Perhaps no one would fault you for allowing your excluded spouse to drive you to the hospital if you were having a heart attack.

However, if he or she got into accident on the way, the insurance company would be within its rights to refuse coverage. Excluded means excluded, period. There are no loopholes. Keep in mind that the insurer is under no obligation to comply with your request. Once an exclusion is imposed, typically it remains in place until you and your insurance company mutually decide to take it off the policy, says Gusner. There are steps that risky drivers can take to improve your driving record in order to reduce your insurance premiums.

For example, a liability property damage policy will exclude damages you cause to your own vehicle in an accident, since liability policies only cover damages and injuries to other drivers in accidents you cause.

Weather events or natural disasters. This will be excluded; you need comprehensive coverage to pay for these types of incidents. Named Driver Exclusions Named driver exclusions occur when your policy specifically does not cover a specific, named individual. Commonly, insurance policies will exclude coverage for: Livery conveyance.

Some insurance companies will not cover you if you are involved in an auto accident while using your car or truck to carry passengers or materials for compensation. Intentional damage is typically excluded in any car insurance policy. Certain vehicles. Vehicle types, such as motorcycles, will likely not be covered under a car insurance policy.

Certain uses of your vehicle. For example, drag racing is another auto exclusion that your car insurance company might write into your policy. In this case, your car insurance company would not cover you if you are injured while drag racing.

For all of these reasons and more, you may need to remove someone from your car insurance policy. The easiest way to remove someone from your car insurance policy is to contact your insurance company.

Some car insurance companies do not allow you to remove a person from your policy. Other companies charge a fee. Some require documentation, while others make it easy. Some insurance companies even allow you to exclude a driver via the mobile app.

All major insurers now have mobile apps. An insurer may not allow you to remove someone from your policy if that person drives your car regularly. Your insurer assumes the person will continue using your vehicle even as an excluded driver.

If the person does not drive your car regularly, however, or has moved out of your home, then you should be able to remove them from your policy easily. Many parents want to exclude their child from a car insurance policy. Children — particularly teenage drivers — are high-risk. They pay the highest possible insurance premiums. A teenage driver is more likely to make a claim than a driver of any other age. By excluding a child from your policy, you could save thousands per year on car insurance.

Other parents exclude a teenage driver because the teenager caused an accident and caused rates to skyrocket. Removing a child from your car insurance policy may be more difficult than you thought.

Insurance carriers want everyone in your household listed on your policy. They know anyone in your household could potentially drive your vehicles — say, in an emergency situation. The best and easiest way to remove a child from your policy is to exclude that person as a driver.

Other carriers charge a fee for excluded drivers. Once your child is listed as an excluded driver, your child can no longer drive any insured vehicles. If your child must drive an insured vehicle, then your insurer can deny any claims , and your child may not be legally covered by insurance. Sometimes, insurance companies require additional documentation before removing a driver from your policy. If your child or roommate has other car insurance, then you should be able to remove them as a driver from your own insurance policy.

Your insurer might require proof of other car insurance if your child no longer lives at home.