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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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