What You Need to Know About Excluding People From Auto Insurance
REQUESTING AN EXCLUSION If you’re a policyholder interested in excluding one or more individuals from your policy, then you need to contact your insurance company and/or agent. Your request will have to be in writing and might also come with additional forms and paperwork, depending on who your insurance company is. It’s also important to note that requesting an exclusion may cause your rates to increase a bit, but some view this cost as a much more affordable expense than the potential damages they might be held accountable for when the dangerous driver(s) in question get in a serious accident or have repeated traffic offenses. Whom Should I Exclude? Now that you know how to request an exclusion, it’s important to understand WHO to exclude. You should exclude anyone you see as high-risk, unreliable and irresponsible. Individuals who show no regard for rules and regulations and could care less what happens to your name and record in the process are other obvious options. To help make t...
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