Excluded drivers are not covered by an insurance policy in the event of an accident. If you've recently been in an auto accident, verifying that the other driver has valid insurance coverage is a key step in processing your personal injury claim.
About Excluded Drivers
Generally, excluded drivers are those who fall into the high-risk category. Often, these drivers would cost too much to insure, and the policyholder excluded them to save money. Or, a driver may be excluded in order to prevent the policy from being canceled all together.
Common reasons why drivers may be excluded include:
- Teen student drivers who aren't allowed by parents to drive yet
- Too many speeding tickets
- Recent DUI
- No license or suspended license
- Too many past accident claims
Not all insurance carriers allow the exclusion of drivers as a cost-saving measure. Policies and procedures vary widely among auto insurers.
How Exclusions Affect Insurance Coverage
Anyone named as an excluded driver on an auto policy should never operate the vehicle on that policy. This is legally the same as driving without insurance.
If the excluded driver causes an accident, the insurance policy will not pay for damages. Medical coverage may still be available, but liability and property damage will not be offered.
In a situation where an excluded driver is at fault for an auto accident, both the vehicle owner and the driver can be held personally liable for accident-related expenses.
Receiving Compensation For Accidents Involving Excluded Drivers
If you're involved in a car accident cause by another driver's negligence, you're entitled to compensation for accident-related medical expenses, loss of wages, and pain and suffering. However, pursuing a claim against someone listed as an excluded driver may prove difficult without the assistance of an experienced personal injury attorney.
Neblett, Beard & Arsenault’s legal team is committed to helping Louisiana drivers receive the personal injury compensation they need to move forward with their lives. Contact us online or call 318.588.6303 to schedule an appointment to discuss your options.