Excluded Driver Car Insurance in Houston

Reader’s Question:

I am wondering what will happen if there is an excluded driver on my car insurance policy and I let them use my vehicle and the driver gets a citation? I have told my insurance company  a drivers name to be removed off my car insurance policy, but they said they said cannot do that. Why? I am trying to save on my premium and I am pretty sure it will increase my car insurance rate.

John

Houston, TX

The excluded person on car insurance policy, first of all, should not be allowed to drive the car. The automobile owner’s insurance provider will not going to cover that excluded driver in case of an accident. Because of this, the excluded motorist and the car owner will be held liable for the accident. There are several reasons why an insurance provider will not take off an excluded person. One reason may be because the excluded driver is a member of the household. I suggest that you talk with your insurance provider to know exactly why they will not take off the excluded person from your car insurance policy in Houston Texas. Remember, do not permit any excluded drivers on your car insurance policy to drive any of your cars. Regarding the citation, the citation will go on the excluded person’s driving record..

If you decide to include the previously excluded driver to your current car insurance policy, this will likely raise your car insurance premium. I suggest that you shop for car insurance quote to check if you can get better deals and to make sure you will get the best car insurance quote in your Houston Texas.