Specifying excluded drivers and included drivers on your auto insurance policy can affect your rates and premiums, and an outdated or incorrect list can even lead to cancellation of your policy. Check out our articles to learn more about excluded drivers, understanding your coverage’s limitations, and how to navigate your auto insurance policy to get all the protection your household needs.

Excluded Drivers: Who is Covered on My Auto Insurance Policy and Who is Not?

Excluded Drivers: Who is Covered on My Auto Insurance Policy and Who is Not?
By Cameron Jones

With auto insurance, a standard in the industry concerns the concept of permissive use. With most private passenger auto policies, the insurance follows the vehicle, not the driver. This doesn’t mean that your driving experience, driving record and other factors won’t play a part in determining how much you’re paying. Clearly, you and other members of your household will be rated based on those, and other, factors. Permissive use means whoever drives your car, with your permission, will be covered to the policy limits and subject to the same deductible amounts. In other words, if you own an insurance policy on your car, and you give permission for someone to drive your car, whether they live in your household or not, generally, that person will be covered under the language, coverage limits and deductible amounts of your policy.

Excluded Drivers & Included Drivers: Who Needs to be Listed on your Auto Insurance Policy?

Excluded Drivers & Included Drivers: Who Needs to be Listed on your Auto Insurance Policy?

Who lives in your house?  Family members, extended family members, roommates, a friend or two?  An auto policy, as a rule, provides coverage to the named insured and all other drivers who live in the same household. To enable an insurance company to assess its risk, it will typically request information (on the application) on all the drivers residing in that household, whether they drive your vehicle or not.