Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 11, 2010

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Insurance Question from Charter Oak, CA

Asked on 06/11/2010

exclution Exclutions if someone is excluded from say my insurance, and they have there own insurance,,,can they still drive my vechicle and does there ins cover my car?

Answer given on June 16, 2010

If an insurance company has excluded someone from their auto policy that means there is no coverage whatsover on that car if the excluded person is the driver.  The exclusion is usually signed by both the person being excluded and the person who has the insurance policy.  This is to make it clear to both parties that there is no insurance coverage involving that excluded driver.

If the excluded driver has their own insurance they are still not allowed to drive the excluded car.  If they do drive, and they are in an accident, there would be no insurance on that car.  In California (and most states) the insurance follows the car and not the driver.  Therefore even though the excluded driver has insurance, it would not pay for damages to the borrowed car.   If you knowingly lend your car to an excluded driver, you are jeopardizing your insurance, because your insurance company may cancel you for allowing the driver to use your car.


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