Excluded Driver on Policy

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Excluded Driver on Policy

I live in California. My husband is an excluded person on my insurance policy. I usually drive him or he rides his bike. This day, I was really suffering from my Fibromyalgia, and was on medication. He give me a kiss and went to work. I didn’t know he took the car until my son woke me up saying, ‘my dad is trying to call you’ My phone was off due to me being sick. That’s when I found out that he took the car, because he said, ‘ it was raining and he didn’t want to ride his bike in the rain. Now, the other guy insurance company sent me a letter stating that if I have any evidence of the accident to send it to them. My insurance denied the claim, because he was an ‘EXCLUDE DRIVER’ What is my next step

Asked on February 22, 2017 under Accident Law, California

Answers:

S.L,. Member, California Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

Unfortunately, there is not much that can be done since your insurance denied the claim.  You are personally liable and will have to pay the property damage (cost of repairs to the other car) and personal injury claims of the occupants of the other vehicle or you will be sued for negligence since you are the registered owner of the at-fault vehicle.
If you are sued and there is a judgment against you which you cannot afford to pay, you should file bankruptcy.  Chapter 7 bankruptcy is straight liquidation which will eliminate that debt.


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