What happens if an excluded driver on my car policy has an auto accident and my insurance has denied the claim?

If you give your car to someone who is specifically listed as an excluded driver on your auto policy, and she or he has an accident, your insurer does not have to pay the costs. What happens when an excluded driver has an accident and your insurance claim is denied is you are liable for the cost of repairs.

UPDATED: Jul 17, 2023Fact Checked

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Jeffrey Johnson

Insurance Lawyer

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: Jul 17, 2023

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UPDATED: Jul 17, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

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