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To make it short, I was in a minor wreck with a vehicle and it was the other driver's fault. Their insurance was notified and ended up denying the claim to fix my truck due to the the fact that the driver was "excluded" from the insurance. His girlfriend was the owner/insured. The driver did not have their own insurance and there was no police report made (waited 45 minutes on police and they never showed). Can their insurance actually deny the claim due to this? And if I have it fixed through my insurance what is the best way to recover my deductible from the driver at fault? I know I can take them to court over it but I'd rather not waste too much time, money and energy to do it. TIA
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Juggz~!?Originally posted by Texican View Post -
Were any of the vehicles involved vans down by the river?How do we forget ourselves? How do we forget our minds?
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Pics of girlfriend?Comment
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When you say "excluded" do you mean that particular driver was forbidden to drive the car per the insurance company, or was that particular driver just not on the insurance.
If I loan out my car to my neighbor, and he has an accident, since he was given permission to drive the car, he is covered.
I think it sounds like you are getting the run around, but the Juggz will know.Comment
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No river, but one was a vanComment
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The way it was explained to me was that he was intentionally excluded, which meant they didn't have to cover him. I always assumed that if the vehicle was covered it didn't matter who was driving as long as it was loaned and not stolen.Comment
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Married but let me see what I can do, nothing good on the phoneOriginally posted by 78X View PostComment
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When someone is excluded...the insurance policy will not cover the car. The excluded driver has to furnish their own insurance.
You will probably have to file it under your uninsured motorist on your policy. My girlfriend got into a wreck yesterday. Some kid ran into the back of her little Mini Cooper...his insurance is expired.Comment
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Thanks, that's what I was trying to find outComment
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Yup. I've seen it where someone in the family has a bad driving record. For instance, there's a husband and wife with a kid. Kid has the bad driving record and has claims on the parents insurance policy. The insurer can opt to non-renew the policy unless the parents "exclude" the kid from driving any of their vehicles. Or something like there's a husband and wife, and the wife has a bad driving record... the insurer can opt to write the policy at a reduced premium dollar, provided that the husband opts to "exclude" her from coverage under the policy.Comment
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What he said. I see it a lot on policies out in CA, mostlyOriginally posted by GE View Post
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Yes, unfortunately, the insurance can and should deny this claim. If he is excluded on the policy, then there is no reason for them to pay out. However, your insurance company will probably go after him/his girlfriend directly and get the money from them so that they don’t have to pay for the damages. If they succeed, they will return your deductible. This is pretty standard procedure for car insurance companies.Comment
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Gee Kevin, do you work for The Hartford?Comment
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HOWDY I'M AL BOENKER.........................
god bless.It is easier to build strong children than to repair broken men -Frederick DouglassComment
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