Comments for An Excluded Driver in the Other Vehicle Makes Your Uninsured Motorist Claim

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Jan 26, 2015
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Clarification on some statements
by: Jordan

If their insurance company will not provide the policy after your request so you can see if the driver is actually excluded, how do you know if they are excluded?

"essentially it is uninsured" that is a correct statement, however YOU have to pay out of pocket for someone hitting you and THEIR insurance not paying the claim.

Can someone provide clarification on those statements?

Our Answer: The insurance will need to provide proof that the driver is excluded (this proof would include policy paperwork).

As to your second question, if your claim is denied by the other party's insurance company because of an excluded driver, then you are entitled to go through your own Uninsured Motorist coverage on your own insurance policy. The steps thereafter are addressed in the original article.

This reader comment is approved for informational purposes and is not intended to take the place of competent local legal counsel.

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