Auto Insurance policy: Excluded driver surcharge?

car insurance — Tue, 02 Mar 2010 04:44:23 +0000

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?

IS an excluded driver in a car insurance coverage redundant?

car insurance — Sat, 27 Feb 2010 02:55:54 +0000

I mean obviously only the person listed under “covered driver” is the only one covered right? What’s the point in having Excluded Driver?

Car Insurance » excluded

Auto Insurance policy: Excluded driver surcharge?

IS an excluded driver in a car insurance coverage redundant?