What Is an Excluded Driver? (2024)

FAQs

What does it mean to have an excluded driver? ›

An excluded driver is a person in your household who has been explicitly excluded from coverage under your car insurance policy. Their name will show as "excluded" on your policy, and they won't be insured to drive any vehicles on your policy.

An exclusion is a provision within an insurance policy that eliminates coverage for certain acts, property, types of damage or locations. Things that are excluded are not covered by the plan, and excluded costs don't count towards the plan's total out-of-pocket maximum.

You can remove a listed driver from your car insurance policy if they no longer live with you and no longer drive your vehicle. If you have a child away at college or who moves out temporarily, it's a good idea to keep them on your policy.

Failure to list a driver can result in coverage limitations, claim denials, and potential legal issues. Not listing drivers on your car insurance policy can lead to disputes over liability, and potential violations of policy terms, which can result in penalties or even policy cancellation.

verb. to keep out; prevent from entering. to reject or not consider; leave out.

Does my car insurance policy cover other drivers? If you lend your car to someone and they cause an accident, Progressive may cover some of the damages they're liable for. Whether the damages are covered depends on the accident, your coverage limits, the specific damages, and other factors.

: to remove from participation, consideration, or inclusion (as in insurance coverage)

Social exclusion refers to the experience of being socially isolated, either physically (for example, being totally alone), or emotionally (for example, being ignored or told that one is unwanted). When someone excludes you, you probably feel bad or even experience “painful” feelings.

verb. prevent from being included or considered or accepted. “The bad results were excluded from the report” synonyms: except, leave off, leave out, omit, take out. antonyms: include.

Car Insurance Generally Follows the Car, Not the Driver.

Jessica gives you permission to borrow her car. As long as you've got Jessica's permission, it's usually legal to get behind the wheel of her car, even though you're not insured.

Can my son drive my car if he is not insured Progressive? ›

Family members who live in your household and drive your vehicle, including a teenager or your significant other, should be listed as drivers on your policy. Also make sure to add your roommate to your policy, if they use your vehicle regularly.

Usually, yes. Your car insurance coverage should be able to extend to anyone else driving your car. Even if someone isn't listed on the policy, they can operate your vehicle. If you explicitly name someone as an excluded driver in your policy, however, none of this applies to them.

If you do exclude a driver from your car insurance, it may be because of their spotty driving history. Drivers who have DUIs, repeated moving violations or a record of at-fault accidents are likely to boost your car insurance rates when they're a member of your household.

Henry owns the household's only car and is the only named insured. Mary is a regular driver and Henry, being responsible, adds her as a listed driver to his policy. When she drives his car she's considered “an insured” since she drives with his permission, but being a listed driver has no affect on her coverage.

If you give someone permission to drive your vehicle or someone reasonably believes they have your permission, then your policy covers them. If someone drives your vehicle for more than 120 days, we consider them a regular driver. You'll need to add any regular driver to your policy.

If you exclude a driver from your policy, they will not be covered if they are involved in an accident while driving your car. This means that they will be responsible for paying for any damages they cause, both to your car and to the other party involved in the accident.

Adding a driver to your insurance policy means they're an insured driver under your policy when they drive your car. So, if they get into an accident, your insurer is more likely to cover the damage than for an unlisted driver.

Some insurance carriers allow you to exclude a driver, even if they live with you. Excluding a driver means that they will not be covered while driving any vehicles. You may be able to exclude a driver for an unacceptable driving record, and therefore reduce your premium.

Section 627.747 - Named driver exclusion (1) A private passenger motor vehicle policy may exclude the following coverages for all claims or suits resulting from the operation of a motor vehicle by an identified individual who is not a named insured, provided the identified individual is named on the declarations page ...