What Does it Mean to Have Excluded Drivers on Your Auto Insurance Policy?

An auto insurance carrier may ask you to include or exclude certain drivers who live at your residence. If this is something that you have not ever had to do before, you may have many questions about what this means exactly. Here is what it means to exclude a driver from your auto insurance policy.

When you exclude a driver from your auto insurance policy, it means that you are stating that they will never use your car. If they do use your car, your insurance policy will not drive them. Typically, an insurance company will want to exclude a bad driver who you live with. This may be someone who has a DUI, multiple accidents or a suspended license. It is someone the insurance company deems to be an at-risk driver and who may be more at risk of having accidents than other individuals.

This is very common if you reside at a home with multiple people, such as roommates, or have a large family. The auto insurance company can find out who else has automobiles registered at the address or who else has auto insurance from that address. This is how they determine who may or may not be living at the residence. They then ask you to include or exclude those other drivers at your place of residence.

If you live with a bad driver, you may be asked to exclude the driver from your policy. If you do not, your auto insurance rate may increase. If you have an at-risk driver, let Don Allred Insurance in Burlington, NC help. We can help you determine whether to include or exclude them from your auto insurance policy.