What is an excluded driver in Florida?

In Florida, an excluded driver is a person who is specifically named in an auto insurance policy and is prohibited from operating any insured vehicle. The policyowner can exclude a driver for various reasons, such as a poor driving record, suspended or revoked license, or any other factor that increases the risk of an accident.

It is important to note that if an excluded driver causes an accident while operating an insured vehicle, the insurance company may deny coverage for any liability or damages arising from the accident. This can leave the excluded driver and any injured parties liable for financial losses resulting from the crash.

Insurance companies typically require policyowners to disclose all licensed drivers who will be regularly operating any vehicles listed on the policy. Failing to disclose an excluded driver may result in policy cancellation or the denial of any claims involving accidents caused by the excluded driver.

Before excluding a driver from an auto insurance policy, it is always a good idea to carefully consider the potential consequences and discuss the decision with your insurance agent to understand your coverage options and obligations.