When You Should Exclude People From Your Auto Insurance Policy

Unless otherwise stated, any licensed driver you allow to drive your car is covered by your auto insurance policy if they are involved in a car accident. However, if you live with someone or closely associate with someone who has a poor driving record and the auto insurance company knows, they may raise your rates to compensate for the possibility of this driver getting behind the wheel of your car. Excluding the driver from your policy, or stating that they will not drive your car, can help keep your premiums low. Here are a few reasons why you may want to exclude a driver your auto insurance policy.

They Have Been Convicted of Drunk Driving

If your spouse, child or roommate has been convicted of drunk driving, the insurance company may be alerted to the fact that someone living with you has a conviction. Based on this, they can ask you to exclude the driver from your policy. If you fail to do so, they may raise your auto insurance rates because there is a possibility the driver will get behind the wheel of your car while drunk. As such, excluding the driver may be best.

They Have Been Involved in Numerous Accidents

If someone you live with has been involved in numerous auto accidents, your auto insurance policy may want to raise your auto insurance rates. Excluding the driver can help to ensure this does not happen.

They Have Multiple Traffic Infractions

The last reason why you may want to exclude someone from your auto insurance policy is because the driver has multiple traffic infractions. Multiple infractions shows that they do not abide by traffic laws and may be at a higher risk for an accident. Excluding them from your policy shows the insurance company that bad driver won’t be behind the wheel of your car.

If you are looking to obtain a new auto insurance policy and have questions about whether you should exclude another driver or not, 1st American Insurance Agency can help. We serve the greater Longmont, CO area. If you have any questions about excluding drivers or obtaining price quotes, give us a call today to get answers.

Ways to Get Your Home Ready for Spring

There is no doubt about it: the cold weather is about to go away and spring is coming to Longmont, CO. You likely cannot wait to get out and enjoy the area in the new season but before you do any of that, you need to do a few things around your home to prepare. Use these tips from 1st American Insurance Agency to help get you started on your list. 

  • De-winterize your home. Many people in the area likely took the time to winterize their home before the winter began and if you were one of them, then you need to make sure you de-winterize it too. You can call a professional to get this taken care of for you. 
  • Get your A/C checked. You may not need it yet but you do not want to find out that your A/C does not work in the heat of the summer. Get it checked out now so you can avoid that problem later and get everything taken care of now. 
  • Clean up a bit. You can do a little bit of spring cleaning and it will go a long way. If you do not have the time for a huge project, do not fret. Do what you can and it will look better. Even doing some basic dusting can change how it looks and feels in your home. 

One other thing you need to make sure you have in place is a great home insurance policy. If you do not already have one then 1st American Insurance Agency, serving Longmont, CO, can get you a free quote. If you do have one, they can take a look at your current policy to make sure that you do not have any gaps in coverage. Be sure to contact them today.