Excluded Drivers?

[graylocks]

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!

[hal]

I had a similar thing a while back. I was asked if there were any other drivers in the household, yes and she had a previous DUI. She was excluded from driving my car. My car was covered in any other circumstance and it drove me crazy as the years passed, I moved on from the girlfriend, but every time I renewed, I was reminded that she wasn't allowed to drive the car.

[davester]

Sometimes it can be useful. My son is disabled and doesn't drive. However, insurance companies assume that all adults living in your home are driving your cars unless specifically excluded. It would be very expensive for us to pay insurance for our non-driving son so he is listed as excluded. Similar thing goes for when we have student lodgers renting spare bedrooms.

It's very important that you are absolutely sure that excluded drivers will never drive your car since they will have absolutely zero chance of being insured (obviously also goes for you not driving a car from which you've been excluded).

[Filliam H. Muffman]

Yes. I have seen it recently. Rental car insurance coverage can be very picky. Usually the combination of credit card rental coverage and personal insurance coverage of rental cars covers everything, but you need to verify it before you rent.

I didn't worry about it when my brother drove my car because he owned a newer car than mine and had nearly the same coverage. None of my recent girlfriends have driven my cars because they couldn't drive a manual.

[btfc]

Do your homework on Farm Bureau. Somebody hit me that had a policy with them, and getting paid was a nightmare. Since then, I've heard from others who were unhappy about them.

[OWC Jamie]

Excluded/not exclud d isn’t anything new, IMO.
Agents sure do seem to be fitting policies to customers with a finer comb than they used to though.

[graylocks]

davester wrote:
It's very important that you are absolutely sure that excluded drivers will never drive your car since they will have absolutely zero chance of being insured (obviously also goes for you not driving a car from which you've been excluded).

excluding him reduced my policy by $500. bummer though if either of us has a car in the shop or something. i guess that's why god gave us uber and lyft
.

[graylocks]

btfc wrote:
Do your homework on Farm Bureau. Somebody hit me that had a policy with them, and getting paid was a nightmare. Since then, I've heard from others who were unhappy about them.

good to be aware of. i've had my homeowners with them for the last 5 years but have never had to file a claim so i really have no idea how they treat people.

[graylocks]

Filliam H. Muffman wrote:
I didn't worry about it when my brother drove my car because he owned a newer car than mine and had nearly the same coverage.

but according to what my agent said yesterday, your brother's coverage may only cover his car not any car he's driving.

[Filliam H. Muffman]

graylocks wrote:
[quote=Filliam H. Muffman]
I didn't worry about it when my brother drove my car because he owned a newer car than mine and had nearly the same coverage.

but according to what my agent said yesterday, your brother's coverage may only cover his car not any car he's driving.
That's a problem I hadn't thought of.