At Oliver Insurance, serving the greater Canby, OR area, one of the types of insurance products that we sell is auto insurance. In addition to selling auto insurance, we also take the time to answer questions that people have about their current auto insurance policy or a policy they are considering purchasing. One of the questions our office frequently gets asked is what it means if an auto insurance policy lists an excluded driver on the policy. Read on to get the answer to this question.
What Does It Mean If an Auto Insurance Policy Lists an Excluded Driver?
If your auto insurance policy lists an excluded driver, that driver is excluded from your insurance policy if they operate your vehicle. Ultimately, this means that if that driver is involved in a car crash in your automobile, your insurance policy will not cover the damage done to your car or another car. Excluded drivers must obtain their insurance policy to operate your vehicle.
Why Would an Auto Insurance Policy List an Excluded Driver?
Auto insurance companies use public records to determine who may live at your home. Suppose a driver in your home has numerous accidents, speeding tickets, or severe violations, such as reckless driving or a DUI. In that case, the auto insurance company may list them as an excluded driver because they deem them at high risk of being involved in an accident with your vehicle.
If your current auto insurance policy does not meet your needs or you are in the market for a new policy in the greater Canby, OR area, Oliver Insurance would love to help you. Call us today with any questions you have, or let us provide you with a quote for a new auto insurance policy.