2007-12-24 09:00:49 · 2 answers · asked by connie c 1 in Cars & Transportation ➔ Insurance & Registration
the person that drove my car did not have permission to drive.
2007-12-24 09:12:53 · update #1
If you let an "excluded" driver drive your car you just assumed all the risks of an accident for yourself and relieved the insurance company of any and all risk. That's why they're "excluded" because the insurance company is unwilling to insure them at your present rate.
2007-12-24 09:08:44 · answer #1 · answered by mustanger 7 · 1⤊ 0⤋
Honey, unless you filed theft charges against them and reported the car stolen, they DID have your permission to drive. That's how it works. Either they stole the car, and you reported it stolen and filed charges against them, or you occasionally let this person drive your car. Even if on the first occasion they crack it up.
The whole POINT of an operator exclusion form is, no matter what, the insurance company doesn't pay ANYTHING if this person is driving. The ONLY way they ask for an exclusion form, is if this person is a household member, or is NOT a household member but has already been in an accident with your car. You EXCLUDE them, because you don't want to pay to have them on your policy.
If by some slight chance you did report your car as stolen before the accident, and didn't drop the charges, then your damages will be covered under the theft coverage of your car. But the person driving will go to jail for grand theft auto.
2007-12-24 15:04:02 · answer #2 · answered by Anonymous 7 · 1⤊ 0⤋
excluded driver drives car hits car insurance pay damages
2016-01-23 00:53:05 · answer #3 · answered by Anonymous · 0⤊ 0⤋
You could say that they didn't have permission to drive, and then file theft charges against them for stealing your car.
lol, probably not such a good idea.
The insurance company won't pay. That's what excluded means. Hope you learned a lesson from this.
2007-12-24 16:02:20 · answer #4 · answered by Anonymous · 0⤊ 0⤋
No, that's the meaning of excluded. If they drove, they were not covered. Your insurance won't pay. You can't get them to pay. You got lower rates by excluding that person, and you should not ever let them drive.
2007-12-24 09:44:31 · answer #5 · answered by oklatom 7 · 1⤊ 0⤋
* Depends on the state. *
There are at least a few states where _liability_ coverage _cannot_ be excluded (Fl, NJ, etc). Most of these states will allow the liability limits of the policy to be lowered to the state minimum. Comprehensive and Collision coverages are still not covered if this driver is using the vehicle.
How can you "get" your carrier to pay? You need to submit the claim and have the carrier determine if the state requires iability coverage to be extended.
In any case (coverage or not), expect your policy not to be renewed if the loss is reported.
2007-12-25 04:27:52 · answer #6 · answered by Todd C 4 · 0⤊ 0⤋
You can't. You'll have to sue the "excluded driver" and they, not the insurance company has to pay. However, if you have the excluded driver charged with Grand Theft Auto, you may be able to collect.
2007-12-26 11:23:28 · answer #7 · answered by Chris F 3 · 0⤊ 0⤋
You can't. You should have called the police and reported the car as stolen. If it was a family member you would have to let the charges of car theft stand. (too bad for the thief). Then your insurance "Might" have covered the damage.
2007-12-24 09:54:29 · answer #8 · answered by dahlmh@sbcglobal.net 3 · 1⤊ 0⤋
You don't. Unless you want to file a stolen vehicle report against the excluded driver.
2007-12-25 13:43:28 · answer #9 · answered by bundysmom 6 · 0⤊ 0⤋
You can't. Excluded means "excluded from coverage". If your car was stolen, that's a different matter.
2007-12-26 04:08:44 · answer #10 · answered by Anonymous · 0⤊ 0⤋