What Is An Excluded Driver?

Participants in the legal system and members of the insurance industry agree on the wisdom of excluding certain men and women from the coverage granted to holders of a car insurance policy. Unlike firearms, automobiles did not exist at the time when Bill of Rights was written. So, no one insisted on stating that everyone has a right to own an automobile.

In fact, an excluded driver cannot even operate the vehicle that is owned by the homeowner of the private residence in which that same driver has been granted shelter. The removal of that privilege has been arranged, due to the excluded driver’s past behavior.

Reasons for excluding one specific person from the list of drivers in a home

• The targeted (excluded) resident of the home has a record of either convictions or traffic violations or both.
• As compared to the other drivers in that one residence, the one targeted has a history of repeated involvement in accidents.
• The number of convictions is not always a determining factor. Even one or two convictions of a specific type can trigger the excluding of one particular driver. That would be a conviction for driving under the influence (DUI).
• The last reason is easy to understand: The person targeted has a suspended or revoked license.

How does the homeowner go about excluding one resident from the list of drivers in the home?

The insurance company adds what is called an endorsement to the homeowner’s car insurance policy. The endorsement names the person that will be excluded from coverage, should he or she get hold of the keys for one of the homeowner’s cars, and then have an accident while driving that same vehicle.

Both the person named and the homeowner must sign that endorsement. It then becomes the homeowner’s responsibility to see that the person named in the endorsement does not have a certain privilege. That is the chance to sit behind the steering wheel in any of the vehicles on the premises where that same man or woman may be living.

Besides the right to drive specific vehicles, what else has been made unavailable to the person with the less than stellar history?

He or she will have no liability coverage from the insurer that has pushed for the signing of the endorsement. Hence, if he or she gets hit by a negligent driver, then the insurance company will not cover any resulting damages. If he or she becomes “at-fault” in a different accident, the insurer will not furnish that same defendant with an attorney.

None of the companies that insist on the signing of such an endorsement can know anything about the driving history of any of the policy holder’s neighbors. Yet any neighbor will be covered, if the policy holder agrees to give that same neighbor the keys to one of the automobiles that are covered by the homeowner’s insurance policy. It is good to refer to an injury lawyer in Brantford.