In instances where a driver under your insurance policy has gotten into multiple auto accidents and received several traffic tickets, it may be in your best interest to exclude this person from your auto insurance policy. Any traffic violations that occur under your insurance policy, whether a fault of your own or another driver, will negatively affect your insurance rates and cause your premiums to increase dramatically. In order to exclude a driver from your insurance policy, you will have to deliver a written “named driver exclusion” to your insurance carrier to specify exactly which driver you would like to be excluded from your insurance policy. Once this person is excluded from your policy, he or she will not be covered under your personal auto policy for future accidents.
Although a driver may be excluded from your policy, you or the excluded driver will still be responsible for any damages or injuries that may result from an auto accident in which the excluded driver is at fault. However, you will only be personally responsible if the excluded driver was driving your vehicle at the time, regardless of whether or not he or she was covered under your insurance policy at the time of the accident. For this reason, you will want to exclude an at-risk driver as soon as possible, and make sure to terminate this person’s access to your vehicle after you have excluded him or her.
Your insurance company may recommend excluding a driver from your coverage policy if this person is responsible for any of the following:
- Multiple vehicle citations
- A suspended license
- Several at-fault accidents
- A DUI or DWI conviction
- Impaired mental ability
If your own record is relatively clean, having someone on your policy who has any of the violations listed could cause you to pay higher insurance premiums that you otherwise wouldn’t have to pay. Excluding this person from your policy would allow you to enjoy all of the benefits that you earned as a good driver, while eliminating and negative affects that this driver has caused.