Question

An excluded driver got into an not-at-fault accident with my vehicle

I live in Mississippi and my 2 daughters were rear-ended on their way home from school today. My daughter is apparently an excluded driver. What can happen in this state as a result? I'm not exact on any insured/non-insured laws?

Sep 16, 2018 Gulfport, MS

Answer
Ava Lynch

Sep 16, 2018

In this situation, it can depend. When a driver is excluded from a car insurance policy, this means they are not covered to drive your vehicle. Your insurance company is no longer responsible if the claim was caused by an excluded driver. The good news is, in most situations when a driver is rear-ended they are not at fault. The claims adjuster will determine fault. You will need to contact your insurance company as well and add your daughter to the policy since she is driving the car. As far as what can happen legally, you will need to contact the DMV if she received a ticket. Good luck and if you have any other questions, don't hesitate to ask.

Related Questions
Other people are also asking...

Should I file a claim for damage that I caused to someone's bumper?

I would recommend having the other driver get an estimate first. This way, you can decide if the repair costs are affordable enough to pay for the damage yourself.
Feb 1, 2017 Jackson, MS

I swerved to miss a deer in the road, wrecked my car, and now my insurance company is saying that I'm considered at fault. Why is that?

Hitting an animal in the road falls under the category of a comprehensive insurance claim because animals do not follow road laws and can't be expected to avoid cars or roadways. It's the same general principle as hail damage.
Apr 10, 2016 Newton, KS

Can an insurance company force me to be added to a policy?

Thanks for reaching out to The Zebra. It is normal for insurance companies to require anyone in the household (of driving age) to be listed on a policy, "just in case." Even if you don't ever plan on driving their cars, insurers know that things come up and there is always a small chance.
Feb 6, 2023 Denver, CO