Michigan named driver exclsuion

You will need to contact your insurance company to complete a named driver exclusion form. Every state is different, and not all states allow excluded drivers. In some states, you can only exclude a driver if they can provide proof that they have car insurance. In most states, excluded drivers are not covered at all, and you would be responsible for the damages. Other states require limited liability coverage for excluded drivers. If the excluded driver takes your car without permission, you can report the car stolen.

Depending on the laws of your state, you may not be held responsible. A driver is usually removed from a car insurance policy once they move out of the home.

All licensed drivers in your household should be listed on your policy. An excluded driver is someone who still lives with you, and has access to your car but will not be driving it. This can include children, roommates, elderly relatives, etc.

To remove someone from your car insurance policy, call your insurance company. Depending on your provider, you can log in to your policy online and do it yourself. If the insured driver still lives with you and has access to your vehicle, your insurance company may not remove them from your policy, or they may ask for proof of other coverage.

If you have any questions about removing drivers from your insurance or excluding drivers on insurance, be sure to call your insurance company for help. Every state has its own rules, and every insurance company handles removing drivers and excluding drivers differently. If you need cheap and reliable car insurance, contact Freeway Insurance at We specialize in providing affordable car insurance to all types of drivers, including high-risk drivers. When you call, our experienced agents will give you a free car insurance quote.

You can also request an auto insurance quote online. The Michigan no-fault law and car accident law is constantly changing. The Michigan car accident lawyers at Call Lee Free work hard to keep our clients, and the public at large, appraised of all changes. The following is an update on what happens when a named excluded driver gets involved in a car accident. This means if the named excluded driver drives an insured vehicle and causes an accident, the owner of the vehicle and those legally responsible for the acts of the excluded driver may be held personally responsible for the damages and injuries he or she causes.

This has been the law for over 40 years. Until recently, a named excluded driver could still receive Michigan no-fault benefits even when involved in an accident. These benefits include the receipt of wage loss benefits, the payment of all medical expenses, prescription drugs, payment to family members or professional home health workers for household chores or more personal care, as well as other benefits. The results are far reaching. This subsection provides that named excluded drivers are not entitled to be paid Michigan no-fault benefits.

But not only that, the vehicle would then be considered uninsured under the no-fault law, making the owner of the vehicle possibly guilty of a misdemeanor and subject to penalties and fines. In addition, because the vehicle is considered uninsured, pursuant to Section