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» Insurance » Insurance policy: Excluded Driver surcharge?
memberPosted by Mislead Devotion 4 views.

Insurance policy: Excluded Driver surcharge?


I have a PA auto policy with Titan Insurance (I'm high risk).
My original ID cards did not list an excluded driver, however, when I misplaced them and printed new ones from the website I found that my mother was listed as an Excluded driver.
(We are household residents.)

From what I understand, you must sign something in order to have an excluded driver. I don't remember signing anything when I got my policy (8/9/07), which if had it would have reflected on my original ID cards, and did not sign ANYTHING when I renewed (2/9/08).

IF they had ASKED me if I wanted to exclude my mother, I would have told them absolutely not. I have no problem with her driving my vehicle, and it would only hurt me, as she has such a clean driving record and high insurance score.

When I got my dec page for renewal (8/9/08) it listed "EXCLUDED DRIVER SURCHARGE." So they've been charging me?



I've called my agency and told them I would like to see the form where I excluded my mother.
I guess my question is, if they can't turn up the paper where I excluded her, and I was charged for the exclusion, what is my recourse?
She has her own vehicle and policy, I just wanted to make sure my vehicle is covered if she drives it.
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1 Comments :

member1 by Uwish 9 years ago.
I do not understand why you would be charged for excluding a driver ?? Usually there is a charge for ADDING a driver to the policy because then you would have to pay for adding them to your coverage. They should not charge you for excluding someone. Why would you pay if coverage isn't being afforded for that person.

Make sure your agency shows you a copy of the exclusion. Yes you would have had to sign it, and if you didn't. Tell them to reverse the exclusion.

However, if your mother is in the same household, does not have insurance, and drives your car, then she needs to be on your policy. Otherwise, if she's in an accident in your vehicle, your company could deny the claim.

Hope this helps

**Add
If she has her own vehicle and policy, then there should be no problem with your mom driving your car. Advise your carrier of your mother's insurance info and tell them you do not want her excluded
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Tags : Insurance*(40306), Policy*(6510), Exclude*(52), Driver*(2457), Surcharge*(13)

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