An excluded driver is an individual who is specifically exempted from being covered by an insurance policy for a particular vehicle. This person is explicitly mentioned as someone who is not permitted to drive the vehicle and is not covered in the event of an accident or incident.
The decision is usually made due to factors such as their history, age, or other risk-related considerations. For example, a company may exclude a person with a poor driving record, a history of accidents, or a suspended license. By excluding, the insurance company aims to mitigate potential risks.
It’s important to note that if an excluded driver, such as household members, operates the vehicle and is involved in an accident, the policy may not provide coverage for any resulting damages or injuries. The policyholder may be held financially responsible for the damages.
Therefore, it’s crucial to accurately disclose all drivers who will be operating the insured vehicle and comply with any exclusions specified in the policy to avoid potential coverage gaps. Make sure you understand what happens if an excluded driver gets in an accident, whether they are at-fault or not-fault, as it may impact the coverage provided that the insurance policy provides you.
At PSIC, this clause applies to our Motorcycle insurance. According to your driving history, your insurance rates can be affected, and even a driver can be excluded from the policy. However, if you have a clean driving record, you may qualify for lower premiums.
To mitigate these impacts, we recommend that you maintain a clean driving history and prioritize safe driving practices.
These terms might be similar or associated with the term you have read before.
At PSIC, we consider that they can be helpful for you.
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Copyright © McGraw Insurance Services, L.P., Delaware L.P., 5515 E. La Palma Ave. Ste. 150, Anaheim, CA 92807, License 0K06900 / National Producer No. 17486061 The insurance policy, not the contents of this website, forms the contract between the insured and the insurance company. The policy may contain limits, exclusions and limitations that are not detailed on this website. Coverage may differ by state.
Privacy Notice at Collection for CA employees
Last updated: June 27, 2023
We take the privacy of our employees and applicants very seriously. Please read this notice carefully as it contains important information on the personal information that we collect, why we collect it, how long we keep it, and that it is not sold to third parties.
Other terms used but not defined will have the meaning set forth in the CCPA, as amended by the CPRA, Cal. Civ. Code §§ 1798.100—1798.199.100, and accompanying regulations set forth under Cal. Code Regs. tit. 11, § 7000 et seq.
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