09-01-2018, 05:20 PM
in helping my son with his car insurance yesterday i twice came across a term i had never heard before. The Progressive policy he was cancelling had me listed as an Excluded Driver which seems to mean if i have an accident driving his car there is no coverage. i'd not seen that in a policy before.
then, later in the day when i went to take my son off my policy with Travelers my agent said i had to declare him an Excluded driver again meaning even if he was driving me in my car and had an accident there would be no coverage. OMG-the trend is spreading. it just seems a bit extreme. my agent suggested that even someone visiting who borrows my car for an errand isn't covered. i always though incidental usage like that was covered. any one else seeing this on their policies?
BTW-my son got a good lesson in the value of shopping around. at the dealer lot he first called GEICO for coverage as he had been with them before. our jaws dropped at the $600 monthly quote! next call to Progressive brought it down to about $300 which he took so we could leave the lot with coverage. the following week i ran it by my agent at Georgia Farm Bureau who came up with $165 a month from Farm Bureau. these were all the exact same levels of coverage. quite a spread. hopefully number one son also appreciates having a mom who knows stuff like this!
then, later in the day when i went to take my son off my policy with Travelers my agent said i had to declare him an Excluded driver again meaning even if he was driving me in my car and had an accident there would be no coverage. OMG-the trend is spreading. it just seems a bit extreme. my agent suggested that even someone visiting who borrows my car for an errand isn't covered. i always though incidental usage like that was covered. any one else seeing this on their policies?
BTW-my son got a good lesson in the value of shopping around. at the dealer lot he first called GEICO for coverage as he had been with them before. our jaws dropped at the $600 monthly quote! next call to Progressive brought it down to about $300 which he took so we could leave the lot with coverage. the following week i ran it by my agent at Georgia Farm Bureau who came up with $165 a month from Farm Bureau. these were all the exact same levels of coverage. quite a spread. hopefully number one son also appreciates having a mom who knows stuff like this!