I was in traffic and a vehicle came along and rear ended me! But I’m an excluded driver on my mother’s car insurance.
Typically when you’re rear-ended, the other driver is at-fault. If they are found at-fault and they have insurance, their insurance company should pay for the damages and you being an excluded driver would not matter. However, if they are not found to be at-fault or they do not have insurance and your mother’s policy will be used to pay for the damages, it will likely not be covered. Being excluded from the policy specifically means that you are not covered on the policy to drive the vehicle.
If you have any other questions, don’t hesitate to ask.