How So I become UN-excluded from My Mothers Car Insurance, She has AAA?

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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: Jan 2, 2013

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Insurance Question from Highland, MI

Asked on 01/02/2013

How So I become UN-excluded from My Mothers Car Insurance, She has AAA? Does she have to pay money to UN-exclude me, i'm 26 and have a valid license?

Answer given on January 15, 2013

If you are an excluded driver on your mother’s insurance, then she needs to work with the insurance company to see if you can be added to the policy as a driver.Insurance companies will usually exclude a driver if they are in the household and have a driving record that is unacceptable. Sometimes they will exclude only because the person is in the household and the policy owner does not want to pay for the cost to add them to the policy.Since you are 26, and it is presumed you have been licensed for over 9 years, your mother should be able to ask the insurance company to add you to the policy. If you have any tickets or accidents, then the insurance costs will be affected. Also, even though you have been licensed over 9 years, you could still increase the costs with a clean driving record, since your mother probably has more years experience which could be giving her a lower rate. Have the company provide a quote to add you to the policy.

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