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Excluded Drivers and Auto Insurance: Understanding Coverage Limitations
Jul 13, 2023
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Excluded Drivers and Auto Insurance
Auto insurance is a critical component of responsible vehicle ownership. It provides financial protection against accidents, damages, and liabilities. However, not all drivers are covered under an auto insurance policy. Excluded drivers, as the term suggests, are individuals explicitly excluded from coverage by an insurance policy.
In this article, our Conroe, TX injury attorneys will delve into the concept of excluded drivers, examine the reasons behind their exclusion, and explore whether auto insurance policies provide coverage for them. This is important information if you are involved in an accident with an excluded driver.
After any type of auto accident – but especially those involving someone without insurance coverage – Wham & Rogers can help you protect your rights. Call us at (832) 592-1108 to learn more.
Understanding Excluded Drivers
Excluded drivers are individuals who, by agreement with the insurance company, are intentionally excluded from coverage under an auto insurance policy. These exclusions may arise due to various factors such as poor driving history, age restrictions, or a lack of driving experience.
Insurance companies often consider high-risk drivers, such as those with a history of DUIs or multiple traffic violations, as ineligible for coverage. Excluding these drivers from policies helps insurance companies manage risk and maintain reasonable premium rates for their policyholders.
Reasons for Exclusion
Insurers exclude drivers for a variety of reasons, including statistical risk assessment and financial considerations. Young and inexperienced drivers, for instance, are often more prone to accidents due to their limited driving skills and lack of experience. Similarly, drivers with a history of reckless behavior or multiple claims pose higher risks to the insurance company. By excluding such individuals, insurers aim to mitigate potential losses and protect their profitability. Exclusion policies also encourage responsible driving habits and discourage high-risk behaviors.
There are also There are a few reasons why a policyholder might want to exclude a driver from their car insurance policy:
- They have a poor driving record
- They are a young driver with little experience
- They have been convicted of a driving offense
- They are not a licensed driver
- You simply don't want to insure them
If you exclude a driver from your policy, they will not be covered if they are involved in an accident while driving your car. This means that they will be responsible for paying for any damages they cause, both to your car and to the other party involved in the accident.
Exclusions and Coverage Limitations
Auto insurance policies typically outline specific exclusions and limitations regarding coverage. While these vary depending on the insurer and policy type, some common exclusions may include:
- Named Driver Exclusion: This type of exclusion applies to specific individuals named in the policy. If a named driver causes an accident, the insurance company will not provide coverage for any resulting damages or liabilities.
- Permissive Use Exclusion: This exclusion pertains to individuals who occasionally use the insured vehicle with the owner's permission but are not listed as drivers on the policy. If an accident occurs while such a driver is behind the wheel, coverage may be denied.
- Intentional Acts: Insurance policies generally exclude coverage for damages resulting from intentional acts, such as driving under the influence or using a vehicle for criminal activities.
Coverage for Excluded Drivers
In most cases, auto insurance policies do not cover excluded drivers. Exclusions are clearly stated in the policy documents, and claims arising from accidents involving excluded drivers are typically denied. It is crucial for policyholders to understand the terms and conditions of their insurance policies to avoid any surprises when filing a claim.
If an excluded driver causes an accident, the policyholder may be personally liable for any damages or injuries, and any claim made by a third party may be rejected by the insurance company.
Seeking Alternatives
For individuals with excluded drivers in their households, alternative options may be available. Some insurers offer separate policies for high-risk drivers or allow policyholders to add exclusions to their existing policies. These alternatives may involve higher premiums or specific restrictions, but they provide a way to obtain coverage while mitigating risk.
Things to Know about Auto Accidents Involving Excluded Drivers
Excluded drivers who cause accidents may face significant legal consequences. Depending on the severity of the accident and applicable laws, they may be subject to traffic violations, fines, license suspension or revocation, and even criminal charges in cases involving reckless behavior or driving under the influence.
Moreover, excluded drivers may be held personally responsible for covering the damages and injuries resulting from the accident, which can lead to substantial financial burdens. When an excluded driver causes an accident, the injured parties may face challenges in seeking compensation for their losses. They may explore alternative options to recover damages, such as:
- Personal Injury Lawsuits: Injured parties can pursue legal action against the excluded driver to seek compensation for medical expenses, lost wages, pain, and suffering, and other damages. However, the ability to collect the awarded amount depends on the excluded driver's financial situation.
- Uninsured/Underinsured Motorist Coverage: If the injured party has this coverage as part of their own auto insurance policy, it may provide some financial protection against accidents involving excluded drivers. This coverage can help compensate for damages when the at-fault driver lacks adequate insurance or is excluded from coverage.
If you have been injured in an auto accident involving an excluded driver without insurance coverage, it is beneficial to contact a personal injury attorney. An attorney can help you understand your legal rights, and the options you may have to pursue compensation. Accident claims involving uninsured or underinsured drivers are complex, but not impossible with the right legal help.
Get Help after an Auto Accident
Excluded drivers pose a unique challenge when it comes to auto insurance coverage and auto accident claims. In these situations, a skilled personal injury attorney can be a valuable asset. At Wham & Rogers, our Board Certified personal injury attorney in Conroe has decades of experience helping clients obtain the compensation they deserve.
If you have a complicated auto accident case, we can help you unravel the complexities and pursue the best options for a successful outcome. To get the help you need, call us at (832) 592-1108, or complete our online contact form. We offer free consultations 24/7, and can meet with you virtually by appointment.
The first step you should take is to hire an experienced wrongful death attorney. Losing a family member to violence or an accident is a staggering blow. It can be hard to know what steps to take and how to protect your family. Wham & Rogers offers experienced, compassionate representation to families suffering from the wrongful death of a spouse, parent or child. If your spouse, parent or child has suffered a fatal injury in an accident or due to the violent act of another, it is important to retain an experienced wrongful death attorney as soon as possible so the attorney can gather and preserve critical evidence before it is destroyed. What damages are recoverable in a wrongful death lawsuit? Economic damages , such as medical bills, funeral expenses, lost wages and loss of household services can be recovered in a wrongful death claim. Non-economic damages such as emotional pain and suffering, loss of companionship, and mental anguish are recoverable. Punitive damages may be awarded in cases where the person causing the death acted with malice or gross negligence. These damages are designed to punish the wrongdoer and to act as a deterrent to others who may engage in the same wrongful behavior. How long do I have to make a claim for wrongful death? As a general rule, the statute of limitations for wrongful death is two years from the date of the negligence resulting in the fatality . This means you will have two years from the date of the negligence to file suit. However, it is advisable to retain a wrongful death attorney as soon as possible since it is important to gather evidence before it is destroyed. Which family members have a right to file a wrongful death claim? The surviving spouse, children and parents of the person who died has a right to bring a wrongful death claim. If the spouse, children or parents don’t bring the wrongful death claim, then the executor or administrator of the estate has the right to bring the wrongful death claim. What is a survival claim? If your family member did not die immediately, a personal injury claim may be filed for treatment expenses and each beneficiary of the estate may receive a portion of the recovery. Who can be held responsible for the wrongful death of my family member? A person who negligently, recklessly or intentionally caused the death of a person may be held responsible. Examples of wrongful death claims include trucking and automobile collisions, medical negligence, products liability, on the job injuries, and deaths due to inadequate security of premises. How do you prove a wrongful death case in Texas? In Texas, you must prove that a legal duty owed to the deceased was breached, causing the wrongful death. For example, there is a legal duty to operate a truck in accordance with the traffic laws in Texas. If the truck driver is speeding or fails to keep a proper lookout causing a wrongful death, that duty is breached and the trucking company may be liable for the wrongful death. How do I pay for a wrongful death lawsuit? The attorneys at Wham & Rogers handle wrongful death cases on a contingency basis. This means that you do not have to pay us unless there is a monetary recovery in the wrongful death claim. The attorneys at Wham & Rogers are experienced in handling wrongful death claims with skill, kindness and compassion. Please call 832-592-1108 , or text 832-413-1428 for a free consultation.
We receive calls daily from injured people who can’t find a doctor to treat them. Their primary care physician won’t see them, and they can’t find an orthopedic specialist who will see them. Sometimes, doctors walk out of the examination room once they find that the patient was in an accident . Why is this happening? There are a number of reasons doctors do not want to see injured patients. Delays in payment by health insurance companies: Health insurance companies may take the position that the patient’s auto insurance personal injury protection coverage is primary and should pay before the health insurance pays. Doctors do not want to wait to be paid until after this issue is sorted out. Health insurance may not pay until subrogation (right to be reimbursed) issues are taken care of, so that the health insurance company knows it will be paid back from any settlement. Harassment by auto insurance companies: Doctors who treat injured patients have become a target of auto insurance companies. Insurance defense attorneys send extremely burdensome, overly broad depositions on written questions (questionnaires) requiring the doctors to dig through years of data about payments received for treating injured patients. Auto insurance companies have also sued doctors who treat injured people, accusing them of fraud, conspiracy and the like. Auto insurers accuse doctors of performing unneeded treatment and/or overcharging for treatment. Auto insurers also retain “hired guns” to testify against treating doctors, criticizing the treating doctor’s every decision, even though the “hired gun” has never seen the patient. Why do insurance companies use these tactics? They want to make it harder for people to receive treatment so they can pay less to injured claimants and increase insurance company profits. How can I find a doctor to treat me following my accident? The attorneys at Wham & Rogers can help facilitate prompt medical treatment for you. Sometimes it is just a matter of letting the health insurance company know their subrogation interests (right to be reimbursed) will be protected. We can also help injured clients access their personal injury protection coverage to pay some of their medical bills. If you have been injured and are having trouble finding a doctor to treat you, please give Wham & Rogers a call at 832-592-1108 or text 832-413-1428 for a free consultation.
Each year, 600 Texans are killed and 10,000 more are injured in trucking collisions. After a trucking crash, quick action is required. The trucking companies have legal teams ready to act after a crash occurs. They immediately send experts to the crash site, photographing and measuring the roadway and interviewing the witnesses. So if you or a loved one is injured or killed in a trucking collision, letters requiring preservation of evidence should be sent immediately to the trucking company and to its insurers. Your lawyer should retain experts to perform computerized mapping of the crash site and to download the electronic control module of the 18-wheeler. And then after that, a qualified trucking liability expert should be retained to address the federal safety regulations that are critical to handling a truck crash claim. If you've been hit by a truck or commercial vehicle in The Woodlands, Spring or Conroe, you need an experienced attorney on your side. Please give us a call at (832) 592-1108 for a free consultation, or submit the contact form here.
What are the Most Dangerous Vehicles on Our Roads? 18 -wheelers are the deadliest vehicles on our highways. Each year, 600 Texans are killed, and 10,000 more are injured in trucking collisions. It’s obvious why 18-wheelers are so dangerous. They weigh twenty to thirty times more than passenger cars, have a much higher ground clearance, and require twenty to forty percent further to stop. Do Truck Drivers Have to Comply with Higher Safety Standards? Because of these dangers, the Motor Carrier Safety Regulations require higher standards for commercial drivers; driving a Commercial Motor Vehicle requires a higher level of knowledge, skill, and physical abilities than is required of other drivers. Truck drivers must know the safety rules and follow them. Trucking companies must have safety policies and implement safety training programs. Truckers must conduct pre-trip and post-trip inspections of their trucks. Why is Quick Action Essential After a Trucking Collision? If you or a loved one is injured or killed in a trucking collision, quick action is required. The trucking companies have legal teams ready to act when a crash occurs. They send experts to the crash site, to photograph and measure the roadway, and to interview witnesses in order to try to minimize their liability. You need someone acting on your behalf to gather evidence and to ensure evidence is not destroyed. What Must be Done to Preserve Evidence Following a Collision With a Big Rig? Preservation of evidence letters should be sent to the trucking company and its insurers. Experts should be retained to perform computerized mapping of the crash site, and to download the 18 wheeler's electronic control module. A qualified trucking liability expert should be retained to address the federal safety regulation violations that are critical to handling truck crash claims. When we investigate trucking collisions, we often find that trucking companies fail to implement and follow adequate safety procedures, including failing to conduct the proper pre- and post-trip inspections. These failures to follow safety procedures often lead to otherwise avoidable collisions. Which Law Firm Should I Hire After an 18-Wheeler Collision? The attorneys at Wham & Rogers have the expertise and resources to handle trucking cases. We can get experts to the scene and have them gather data and download the electronic control module of the 18-wheeler before vital evidence is lost or destroyed. If you or a loved one has been in a collision with an 18-wheeler, the lawyers at Wham & Rogers can help you. Call 832-592-1108 or text 832-413-1428 for a free consultation.
The information on this website is for general information purposes only. None of the information on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.
The first step you should take is to hire an experienced wrongful death attorney. Losing a family member to violence or an accident is a staggering blow. It can be hard to know what steps to take and how to protect your family. Wham & Rogers offers experienced, compassionate representation to families suffering from the wrongful death of a spouse, parent or child. If your spouse, parent or child has suffered a fatal injury in an accident or due to the violent act of another, it is important to retain an experienced wrongful death attorney as soon as possible so the attorney can gather and preserve critical evidence before it is destroyed. What damages are recoverable in a wrongful death lawsuit? Economic damages , such as medical bills, funeral expenses, lost wages and loss of household services can be recovered in a wrongful death claim. Non-economic damages such as emotional pain and suffering, loss of companionship, and mental anguish are recoverable. Punitive damages may be awarded in cases where the person causing the death acted with malice or gross negligence. These damages are designed to punish the wrongdoer and to act as a deterrent to others who may engage in the same wrongful behavior. How long do I have to make a claim for wrongful death? As a general rule, the statute of limitations for wrongful death is two years from the date of the negligence resulting in the fatality . This means you will have two years from the date of the negligence to file suit. However, it is advisable to retain a wrongful death attorney as soon as possible since it is important to gather evidence before it is destroyed. Which family members have a right to file a wrongful death claim? The surviving spouse, children and parents of the person who died has a right to bring a wrongful death claim. If the spouse, children or parents don’t bring the wrongful death claim, then the executor or administrator of the estate has the right to bring the wrongful death claim. What is a survival claim? If your family member did not die immediately, a personal injury claim may be filed for treatment expenses and each beneficiary of the estate may receive a portion of the recovery. Who can be held responsible for the wrongful death of my family member? A person who negligently, recklessly or intentionally caused the death of a person may be held responsible. Examples of wrongful death claims include trucking and automobile collisions, medical negligence, products liability, on the job injuries, and deaths due to inadequate security of premises. How do you prove a wrongful death case in Texas? In Texas, you must prove that a legal duty owed to the deceased was breached, causing the wrongful death. For example, there is a legal duty to operate a truck in accordance with the traffic laws in Texas. If the truck driver is speeding or fails to keep a proper lookout causing a wrongful death, that duty is breached and the trucking company may be liable for the wrongful death. How do I pay for a wrongful death lawsuit? The attorneys at Wham & Rogers handle wrongful death cases on a contingency basis. This means that you do not have to pay us unless there is a monetary recovery in the wrongful death claim. The attorneys at Wham & Rogers are experienced in handling wrongful death claims with skill, kindness and compassion. Please call 832-592-1108 , or text 832-413-1428 for a free consultation.
We receive calls daily from injured people who can’t find a doctor to treat them. Their primary care physician won’t see them, and they can’t find an orthopedic specialist who will see them. Sometimes, doctors walk out of the examination room once they find that the patient was in an accident . Why is this happening? There are a number of reasons doctors do not want to see injured patients. Delays in payment by health insurance companies: Health insurance companies may take the position that the patient’s auto insurance personal injury protection coverage is primary and should pay before the health insurance pays. Doctors do not want to wait to be paid until after this issue is sorted out. Health insurance may not pay until subrogation (right to be reimbursed) issues are taken care of, so that the health insurance company knows it will be paid back from any settlement. Harassment by auto insurance companies: Doctors who treat injured patients have become a target of auto insurance companies. Insurance defense attorneys send extremely burdensome, overly broad depositions on written questions (questionnaires) requiring the doctors to dig through years of data about payments received for treating injured patients. Auto insurance companies have also sued doctors who treat injured people, accusing them of fraud, conspiracy and the like. Auto insurers accuse doctors of performing unneeded treatment and/or overcharging for treatment. Auto insurers also retain “hired guns” to testify against treating doctors, criticizing the treating doctor’s every decision, even though the “hired gun” has never seen the patient. Why do insurance companies use these tactics? They want to make it harder for people to receive treatment so they can pay less to injured claimants and increase insurance company profits. How can I find a doctor to treat me following my accident? The attorneys at Wham & Rogers can help facilitate prompt medical treatment for you. Sometimes it is just a matter of letting the health insurance company know their subrogation interests (right to be reimbursed) will be protected. We can also help injured clients access their personal injury protection coverage to pay some of their medical bills. If you have been injured and are having trouble finding a doctor to treat you, please give Wham & Rogers a call at 832-592-1108 or text 832-413-1428 for a free consultation.
Each year, 600 Texans are killed and 10,000 more are injured in trucking collisions. After a trucking crash, quick action is required. The trucking companies have legal teams ready to act after a crash occurs. They immediately send experts to the crash site, photographing and measuring the roadway and interviewing the witnesses. So if you or a loved one is injured or killed in a trucking collision, letters requiring preservation of evidence should be sent immediately to the trucking company and to its insurers. Your lawyer should retain experts to perform computerized mapping of the crash site and to download the electronic control module of the 18-wheeler. And then after that, a qualified trucking liability expert should be retained to address the federal safety regulations that are critical to handling a truck crash claim. If you've been hit by a truck or commercial vehicle in The Woodlands, Spring or Conroe, you need an experienced attorney on your side. Please give us a call at (832) 592-1108 for a free consultation, or submit the contact form here.
What are the Most Dangerous Vehicles on Our Roads? 18 -wheelers are the deadliest vehicles on our highways. Each year, 600 Texans are killed, and 10,000 more are injured in trucking collisions. It’s obvious why 18-wheelers are so dangerous. They weigh twenty to thirty times more than passenger cars, have a much higher ground clearance, and require twenty to forty percent further to stop. Do Truck Drivers Have to Comply with Higher Safety Standards? Because of these dangers, the Motor Carrier Safety Regulations require higher standards for commercial drivers; driving a Commercial Motor Vehicle requires a higher level of knowledge, skill, and physical abilities than is required of other drivers. Truck drivers must know the safety rules and follow them. Trucking companies must have safety policies and implement safety training programs. Truckers must conduct pre-trip and post-trip inspections of their trucks. Why is Quick Action Essential After a Trucking Collision? If you or a loved one is injured or killed in a trucking collision, quick action is required. The trucking companies have legal teams ready to act when a crash occurs. They send experts to the crash site, to photograph and measure the roadway, and to interview witnesses in order to try to minimize their liability. You need someone acting on your behalf to gather evidence and to ensure evidence is not destroyed. What Must be Done to Preserve Evidence Following a Collision With a Big Rig? Preservation of evidence letters should be sent to the trucking company and its insurers. Experts should be retained to perform computerized mapping of the crash site, and to download the 18 wheeler's electronic control module. A qualified trucking liability expert should be retained to address the federal safety regulation violations that are critical to handling truck crash claims. When we investigate trucking collisions, we often find that trucking companies fail to implement and follow adequate safety procedures, including failing to conduct the proper pre- and post-trip inspections. These failures to follow safety procedures often lead to otherwise avoidable collisions. Which Law Firm Should I Hire After an 18-Wheeler Collision? The attorneys at Wham & Rogers have the expertise and resources to handle trucking cases. We can get experts to the scene and have them gather data and download the electronic control module of the 18-wheeler before vital evidence is lost or destroyed. If you or a loved one has been in a collision with an 18-wheeler, the lawyers at Wham & Rogers can help you. Call 832-592-1108 or text 832-413-1428 for a free consultation.
1. Do I really need a personal injury lawyer? Yes, if you have a significant injury, choosing the right lawyer to handle your injury claim matters. Now more than ever, having the right lawyer can make a tremendous difference for the success of your claim. Insurance companies use sophisticated negotiation tactics to help them minimize your claim, or even avoid paying altogether. And make no mistake—the claims adjuster is not on your side. The adjuster, in a very real sense, is your opponent, and is specifically trained to make sure you don’t receive the maximum recovery you’re entitled to. 2. Does it really make a difference which lawyer I hire? Absolutely. The stronger your lawyer, the stronger your claim. Insurance companies keep track of which lawye rs have the experience, the resources, and the willingness to fight for their clients. They know which law firms are high-volume firms looking for a quick, easy settlement, and which lawyers are willing to do the hard work of fighting to get full justice. We have had clients contact us because a high-volume firm dropped their case after the insurance company “denied liability” and refused to pay quickly. 3. How do I find the best personal injury attorney? First, look at the lawyer’s qualifications and credentials. For example, the State Bar of Texas has a Board of Legal Specialization that certifies lawyers who are experts at handling personal injury claims. Fewer than 3% of Texas lawyers are Board Certified in Personal Injury Trial Law. You should also check the lawyer’s ethics. One of the best sources is Martindale-Hubbel’s attorney ratings. The highest rating is AV-Preeminent—which means the lawyer is considered ethical by his peers and has demonstrated the highest level of competence. Next, consider the size of the firm. If you are represented by a large law firm, chances are you will not be represented by the best, most experienced lawyer at that firm, and your case will instead be “handed down” to an associate for handling. Hiring a “boutique” litigation firm, with fewer lawyers handling fewer cases, will mean that the firm’s top lawyers are directly involved in the handling of your claim. Beware of firms that advertise “billions of dollars in past recoveries.” Quite often, those recoveries include class action case results, involving thousands of clients, with each client receiving a relatively small recovery. Look instead for a lawyer who has a record of achieving substantial recoveries for individual clients. Find a lawyer who has “been there, done that.” Specific experience is important, so look for a lawyer who has widespread experience handling serious injury claims, including wrongful death claims, truck crash cases, and complex cases involving complicated injuries such as paralysis and traumatic brain injury. Wham & Rogers attorneys have over 70 years combined experience in personal injury law. Mark Wham is Board Certified in Personal Injury Law. Rene Rogers has been AV Rated by Martindale-Hubbel for 30 years. Ryan Wham attended one of the best law schools in the country, the University of Texas School of law and was a member of UT’s prestigious Law Review. Prior to going to work for his parents at Wham & Rogers, Ryan worked at one of the largest law firms in the world. If you are looking for a highly qualified, experienced personal injury firm, contact Wham & Rogers for a free consultation. Call 832-592-1108 or text 832-413-1428 .
We are often asked whether pedestrians or cars have the right of way on pathways and at intersections. Many trails or pathways which cross intersections have stop signs. Pedestrians and bicyclists must obey these signs when they come to an intersection. When approaching an intersection, pedestrians should always stop and look both ways before crossing the intersection. If there is a traffic control device, pedestrians should always wait for the “walk” light to be illuminated before proceeding. Pedestrians, cyclists, and runners should slow down to allow enough time when nearing an intersection that is not controlled by a traffic signal.
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Take these steps after a collision to protect you and your rights in a Houston, The Woodlands and Spring car crash.
Two wrongful death lawsuits have been filed against Panera Bread Co.
The information on this website is for general information purposes only. None of the information on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship. The verdicts and settlements listed are representative and are not a guarantee or prediction of the outcome of other claims.
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