Personal auto policies have specific conditions regarding who is an included and who is an excluded driver. Family vehicles are often shared within a family or household for many different reasons. Auto policies can be written to cover a wide range of divers and situations, but your agent must know your individual situation in order to provide the best possible auto insurance policy.
Most insurance companies require you to identify all the “regular” drivers on any given automobile. Excluded drivers can include:
- Teenagers without a license
- A family member visiting
- A family member (grandparent) who may live with you
- Someone with a disability in your home