General Insurance

Can I buy an insurance policy on a car I own and exclude myself as a driver?

Both you and your driver need to be listed on your insurance policy in this case. Since you own the vehicle, you should be listed as an additional interest since you have a financial stake in the car. If you have any questions, don't hesitate to ask.

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Coverage & Claims

I was rear-ended, but I'm an excluded driver. Will the damages still be covered?

Typically, when you are hit from behind the other driver is at fault. In this case, their insurance company would be responsible for the damages.

Coverage & Claims

Are excluded drivers covered if they're not at fault for the accident?

If the excluded driver was driving but another party hits them, the at-fault party is still responsible for paying for the damages. Had the accident been caused by an excluded driver, the insurance company is under no obligation to honor that claim.

Coverage & Claims

If my husband is excluded from his sister's policy, is he still covered as a passenger?

Sorry to hear about your situation. The big question here is this: who was driving the car?

General Insurance

Why did my insurance company automatically add my daughter to my policy when she has her own insurance?

If your daughter lives with you and you two share an address, your insurance company is probably assuming that she may sometimes drive your vehicle, at which point she would need to be a named driver on your policy. If she has her own car — and doesn't drive yours — it could be possible for you to have her excluded from your policy.

General Insurance

Do I need to put everyone in my household on my policy?

It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.

General Insurance

My son is 19 and is in the service and will be overseas the next month. Is this covered by the definition of exclusion?

As long as you can provide proof of a separate address, you should be able to remove your son from your policy completely. Every company is different so you will need to check with your specific company.

Eligibility

I'm listed as the primary driver instead of my wife, but I've never driven or had license in 71 years. Should I be charged as a driver on the policy?

Hello, Your wife should most definitely be listed as the primary insured on the policy since she is the primary driver. Since you do not drive, you can be excluded.

Motorcycle Insurance

Do I have to be under my wife's auto policy if I have my own motorcycle insurance?

Hello, Put short, yes, you must be listed on your spouse's insurance policy. However, if you never drive her vehicle (and see yourself doing so in the future), it's likely that you can have yourself excluded from her policy.

Coverage & Claims

I was rear ended but I’m an excluded driver of the vehicle, will the damages be covered?

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.

General Insurance

Can an insurance company refuse to remove a child from my policy?

All members of your household, that are of driving age, need to be listed on your policy. You can either list them as a driver or you can exclude them.
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