Household members, domestic staff, and people who regularly drive your car should be on your insurance policy. States and insurance companies have laws and regulations determining who should or can be on your policy. The same laws determine those you can safely exclude from your policy.
Below are circumstances under which you can remove or exclude people from your car insurance policy.
They Have Moved Out
Your household members automatically have regular and unfettered access to your car and should be on your insurance policy. The situation changes when a person on your policy moves out of your home and can no longer access your car. You can safely remove such a person from your policy. For example, you can remove your former spouse from your policy after divorce.
They Have Suspended Driving Licenses
Only those with the legal right to drive, meaning those with driving licenses, should be on your insurance policy. No one without a driving license has a place on your auto insurance coverage. For example, you can exclude a person with a suspended driving license. Even your insurance company will not want such a person to drive your car.
They Have a Bad Driving Record
High-risk drivers on your insurance policy increase your insurance rates. For example, drivers with DUI (driving under the influence) convictions or multiple traffic tickets increase your insurance rates. You may exclude such people from your policy if your insurance carrier concurs.
They Have Passed Away
If you lose a household member, remove their name from your insurance policy. If you don't, the insurance company will continue using the person's risk actors to determine your rates. For example, you may continue to pay high rates if the deceased was a high-risk driver.
They Have a Severe Physical or Health Condition
Some health or physical conditions make driving dangerous or impossible. For example, blindness, paralysis, and severe epilepsy increase the risk of accidents. If you have a household member with such conditions, they won't drive your car, and you don't have to include their names on your policy.
They Have Acquired their Own Insurance Coverage
Lastly, you can remove those who buy cars and get their insurance policies. Such people no longer need your insurance policy's protection. They can get protection from their policies. Say your child in college buys a car, registers it in their name, and buys car insurance. The child can safely exit your insurance policy.
Reach out to an auto insurance agent to learn more.