I had an auto accident and reported the same to our insurance co. only to find out that I had been excluded as a driver on the policy ,our insurance

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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: Oct 8, 2016

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Insurance Question from Corona, CA

Asked on 10/08/2016

I had an auto accident and reported the same to our insurance co. only to find out that I had been excluded as a driver on the policy ,our insurance co. said my wife signed the from in 2014.After doing some of my own research in to the matter I find out that he excludsion actually took place some five years before in 2011. there was no reason why or who actually excluded me but for sure it wasn't my wife not even when the insurance co. had her sign he excludsion form in 2014 without telling her what it was or explaining to her that I couldn't drive our cars. I never knew nor was I ever told either by verbal conversation or in writing that I was excluded. I could have driven for a number of more years without ever knowing I was excluded. is

Answer given on October 18, 2016

In auto insurance, some insurance companies will exclude a driver in the household due to their driving record. In order to do this, the named insured must sign the exclusion on the policy. Some insurance companies also require the excluded driver to sign the form.On occasions the insurance company will request a new exclusion be signed, which apparently is the case here. While the insurance company should explain to the insured what is being signed, the form is clear in what it is requiring. Your wife should have read the form before signing it, as is the case in any form being requested by the insurance company.Since the form was signed there is no recourse for you in the accident in question. Hopefully there is no major damage or injury involved in the accident and you can pay for the repairs needed. You should also work on getting this resolved with the insurance company and/or finding new insurance.

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