Driver exclusion florida

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2. An automobile insurer that defends or indemnifies a claim against a TNC driver which is excluded under the terms of its policy has a right of contribution against other insurers that provide automobile insurance to the same TNC driver in satisfaction of the coverage requirements of subsection (7) at the time of loss.  · The exclusion is unfairly discriminatory under the Florida Insurance Code; or, The exclusion is inconsistent with the underwriting rules filed by the insurer. The exclusion of an identified named driver is invalid unless the named policyholder consents in writing to the exclusion of a named driver and the excluded named drivers are listed on the policy’s . excluded driver. This includes any claim for damages made against any named insured, resident relative, or any other person or organization that is vicariously liable for an accident or loss arising out of the operation of a motorized vehicle by the excluded driver. However, this Named Driver Exclusion shall not apply to coverage under Part III -.

Why exclude a driver? A named driver exclusion is usually attached to a policy when the underwriter is aware of a problem driver who might be allowed to use an insured automobile, such as a child of the named insured. A problem driver may be that the person has a suspended license, DUI conviction, had multiple accidents, etc. Some insurers may request that the driver be excluded. The exclusion is unfairly discriminatory under the Florida Insurance Code; or, The exclusion is inconsistent with the underwriting rules filed by the insurer. The exclusion of an identified named driver is invalid unless the named policyholder consents in writing to the exclusion of a named driver and the excluded named drivers are listed on the policy’s declarations page or policy endorsement. Some insurance policies come with a “named driver exclusion.” It states that one or more individuals in your household may not operate the insured vehicle. If an excluded individual drives the car and gets into an accident, the insurance company doesn’t have to pay for the damage.

Aug 8, Some insurance policies come with a “named driver exclusion.” It states that one or more individuals in your household may not operate the. may result in the loss of driving privileges in Florida. Although there are other ways to prove to offer deductibles and the option to exclude work. If you live in Florida, your odds of encountering an uninsured driver are even The named insured and family members are excluded from this coverage.