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.