California driver exclusion

 · An “excluded driver” is a person whose “crashes” are not covered on a California commercial auto insurance policy for any of the coverages on the policy. Your insurance carrier must have written a “named driver exclusion”, for a specific individual, for him/her to be considered as “excluded” on your insurance policy.5/5(57). NAMED DRIVER EXCLUSION It is agreed that all coverages, including Uninsured Motorist Coverage*, afforded by the policy shall be null, void and of no effect while any vehicle is being driven or operated by; The California Insurance Code requires an insurer to provide Uninsured Motorist Coverage in each bodilyFile Size: 55KB.  · Q: Can the owner of the vehicle be an excluded driver on a car insurance policy in the state of California? A: Yes, they can. However, if the owner is an excluded driver that means that they can NEVER drive the vehicle under any circumstances. If they have an accident driving that vehicle, it will not be covered by the insurance company.

Why exclude a driver? A named driver exclusion is usually attached to a policy when the underwriter is aware of a problem driver who might be allowed to use an insured automobile, such as a child of the named insured. A problem driver may be that the person has a suspended license, DUI conviction, had multiple accidents, etc. Some insurers may request that the driver be excluded. EXCLUDED DRIVER. Special Notice Concerning the Deletion of Uninsured Motorist Coverage When Operated By The Excluded Driver. The California Insurance Code requires an insurer to provide Uninsured Motorists Coverage in each bodily injury liability insurance policy it issues covering liability arising out of ownership, maintenance, or use of a motor. A California law allows you to exclude drivers in your household who could cause you to lose that discount. “In many states the discount is substantial, which is the reason the insured might request for an exclusion to apply,” says Chris Wukovits, manager of AAA New York Insurance Services.

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