How an Excluded Driver Can Void Your Insurance Claim
Reviewed by Michael P. Maddux, Esq. | Board Certified Criminal Trial Lawyer | Florida Super Lawyer for 16 Consecutive Years
An excluded driver can void your insurance claim completely, even if they only use your vehicle once. Many drivers don’t realize this. If someone listed as an excluded driver gets behind the wheel and causes an accident, your insurance company can deny the claim in full. This leaves you personally responsible for the damage.
When This Usually Happens
We see this happen often when someone loans a car to a family member or household member without realizing they are excluded under the policy. This is why it’s critical to review your policy and understand exactly who is allowed to drive your vehicle.
How to Avoid This Costly Mistake
If you live with someone over the age of 15 who has a driver’s license but does not drive your car, you should properly list them as an excluded driver. Taking a few minutes to confirm this now can prevent a costly denial later. When it comes to insurance coverage, asking questions early is always better than finding out the hard way. If you have questions about your policy, our office can help.