Excluded driver at fault

 · In the event of an accident, both you and the excluded driver may be held liable for damages. Suppose you have a year-old son who has just gotten his driver's license. He's allowed to drive.  · They’re meant to make sure that a high-risk driver in your household won’t get behind the wheel. “It could be somebody that perhaps has a suspended license, or a DUI, or a bad driving record,” says Penny Gusner, consumer analyst for www.doorway.ru “Excluding such drivers minimizes risk for the insurance company.”.Author: Matt Brownell. Unfortunately, many people still let excluded drivers operate their car. It can be very frustrating if you have an accident with an excluded driver. After you wait for the insurance company to investigate the claim, you then get the bad news. Your claim gets denied because the other driver is excluded from the www.doorway.ruted Reading Time: 2 mins.

They’re meant to make sure that a high-risk driver in your household won’t get behind the wheel. “It could be somebody that perhaps has a suspended license, or a DUI, or a bad driving record,” says Penny Gusner, consumer analyst for www.doorway.ru “Excluding such drivers minimizes risk for the insurance company.”. If a driver is excluded from your policy and you did not give him permission to drive your vehicle, you are not held responsible; If you didn’t specifically exclude the driver, you may be held responsible; If you excluded the driver on your policy but then gave him permission to drive, you can be held responsible. Excluded drivers should never drive the car they are excluded from. It is literally driving without insurance. In a crash, damage to your vehicle won’t be covered, and both you and the excluded driver can be held personally liable for any damages caused to others. The scenario is not any better if an excluded driver is involved in a not-at-fault accident. Here is a case on point.

At-Fault: After an accident and depending on the details of how the accident happened, Excluded Driver: Any driver that is not covered by your policy. An excluded driver is someone you explicitly want to not be covered on your car insurance policy. You and your insurance company agree that this person. In most states, if an excluded driver in your household uses your car and has an accident, the accident will not be covered under your insurance policy, and.