What are Car Insurance Exclusions and How Do They Impact You?

An excluded driver is someone who has been explicitly removed from coverage under your auto insurance policy. Their name will appear as excluded on your policy and they will not be insured to drive any vehicle in your policy. This means that once it's taken off your policy, that person won't be able to drive your vehicle and won't receive coverage from your insurer. Generally, an excluded driver is someone you choose to intentionally exclude from your policy because eliminating them will reduce your premiums. When it comes to car insurance, there are many different exclusions that can appear in both standard and non-standard insurance policies.

If you have an insurance policy against specific risks, your car insurance only covers the hazards that are explicitly mentioned and excludes everything else. There are “standard auto insurance policies” and “non-standard auto insurance policies” in Texas. Some rideshare apps can also offer their drivers commercial coverage when they log in to the app, and some insurers offer specific limited insurance for rideshare drivers. When calculating premiums, insurance companies want to know all the drivers who are likely to use their vehicle on a regular basis. If you decide to exclude a member of your family from your car insurance coverage, the insurance company will update your policy by naming the excluded driver and specifying the conditions that will not be covered.

The insurance policy would exclude the amount awarded for punitive damages, but would cover the amounts awarded for other damages. If you're planning to drive out of the country, it's important to check with your insurance agent to see what your car insurance covers and what doesn't. Therefore, you decide to contact your insurance agent to discuss the conditions for reinstating you as a driver in your policy. We work with more than 50 leading national and regional insurance companies to provide you with options you can trust. If one of the drivers listed on your car insurance policy is a risky driver, it's likely that your premiums will increase. Most auto insurance policies can cover many of the hazards you'll encounter on the road, from collisions to hailstorms.

The family member exclusion clause included in a Texas auto policy only applies to damages that exceed the minimum insurance limits required by law. Whether you or your insurer would like to exclude a certain driver from your car insurance policy, you should be prepared for higher premiums. Or call (84) 232-2700 to speak with a licensed insurance advisor.

Gertraude Jackel
Gertraude Jackel

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