What happens when you remove someone from your insurance?

Asked by: Skye Wyman  |  Last update: July 27, 2025
Score: 4.3/5 (50 votes)

Excluding them means the insurance company is no longer considering their driving history on your policy. If an excluded driver or one you have removed from your policy gets into an accident with your vehicle, your policy may not cover the incident.

What happens if you remove someone from your car insurance policy?

Once they're removed from your policy, that person can't drive your vehicle and won't receive coverage from your insurer. Usually, an excluded driver is someone you intentionally decide to exclude from your policy because removing them will increase your premiums.

Will my insurance go down if I remove a driver?

The bad news is your rates, like everyone else's, will likely go up no matter what. But if the driver responsible for the accident is removed from the policy, it's likely that the impact will be limited. There are an unworldly number of variables when it comes to insurance rates and claim adjusting.

Can I remove someone from my insurance at anytime?

You can't remove your spouse from your health insurance plan at anytime. Generally, you can only drop your spouse from your health insurance if there is an open enrollment period or you're experiencing a qualifying event, such as getting divorced or buying a new health insurance plan.

What is the difference between excluded driver and removed driver?

Excluding a driver means the person still lives in your house, but they are specifically not covered if they drive the car. The insurance company knows about this person and has agreed not to cover them. Removing a driver means the person doesn't live in your house anymore and is completely off the policy.

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21 related questions found

What happens if someone who isn't on your insurance crashes your car Progressive?

Allowing another licensed driver to borrow your vehicle is known as "permissive use," which means you give someone, who isn't listed on your car insurance policy, permission to operate your vehicle. If they're involved in an accident, your auto insurance may pay for the damages and injuries, up to your coverage limits.

Can my husband drive my car if he is not on my insurance?

Usually, yes. Your car insurance coverage should be able to extend to anyone else driving your car. Even if someone isn't listed on the policy, they can operate your vehicle. If you explicitly name someone as an excluded driver in your policy, however, none of this applies to them.

How to remove ex from car insurance?

You Cannot Remove Your Spouse Without Their Consent

First and foremost, it's crucial to understand that you cannot unilaterally remove your spouse from your auto insurance policy without their consent. Both parties listed on the policy typically have equal rights, and any changes must be agreed upon.

Can someone drive my car if they are not on my insurance Geico?

Some states require the car owner's insurance to cover any accidental damage, so if they're not insured or don't have the right coverage, as the driver you may end up being liable.

Can I keep my son on my car insurance after he moves out?

Your policy is tied to your home address. If your child has moved away, they can't be on your policy. If, however, your son or daughter is simply living at college, their home address is likely still yours.

What happens if I don't add my teenager to my car insurance?

Failing to add your teenager to your auto insurance can lead to coverage denial, legal penalties and policy cancellation. Lack of driving experience and perceived higher risk contribute to higher car premiums for teen drivers.

What happens if an excluded driver gets pulled over?

What happens if your friend gets pulled over for speeding in your car? Unlike car insurance, which follows the car in the event of a crash, a traffic citation will follow the driver. Your driver will be responsible for the ticket, and the driver's personal car insurance costs may increase.

Why won't Geico let me remove a driver?

Generally you can't remove a household member from your policy unless they have their own separate insurance coverage. You should have the option to exclude your son from the policy if you don't want him to impact your rate, but that means he will not be covered to drive any of the vehicles you currently insure.

Why can't I remove my spouse from my car insurance?

Can You Remove a Spouse From Car Insurance Before a Divorce? If you and your spouse are both named on your car insurance policy, you can't change the policy on your own. Insurers won't allow you to remove your soon-to-be ex from your current car insurance, or cancel your shared policy, without their approval.

Does someone breaking into your car raise your insurance?

Your insurance rates might go up at renewal time after you file a claim. If your deductible is higher than the cost of the damage or theft, you won't get any money.

Should I remove my ex from my car insurance?

Divorce and car insurance

Living together: If your cars will continue to be kept at the same residence, you and your ex can stay on the same policy, just as if you were roommates sharing car insurance; or you can choose to get separate policies once you're legally separated or divorced.

Can my son drive my car if he is not insured?

Most insurers cover someone else driving the policyholder's car with their permission once in a while. But, if you're going to start driving one of your parent's cars regularly, you'll need to be added or named on their auto insurance. You can't legally drive your parents' car without any insurance at all, either.

Is it okay to let someone borrow your car?

If they have a current license, a clean record, and a valid insurance policy, you may feel more comfortable lending them your car. Consider the circumstances. Is your friend impaired in any way or unfit to drive? If the answer is “yes,” then your answer to them should be a resounding “no.”

How does insurance work if my friend drives my car?

Most car insurance policies will cover drivers you've listed on the policy, or anyone whom you give permission to drive your car, says Nolo.com. This means your insurance will likely cover another driver in the event of an accident, if they had your permission to drive your vehicle.

Can I just take someone off my car insurance?

If a person no longer lives with you, you can remove them as a listed driver on your policy. Some insurers may want proof that the person moved (and thus won't have access to drive your vehicles). Learn more about how moving impacts car insurance.

How do I get my name off of my ex's car?

Removing a name from a car title post-divorce
  1. First, find out as much as you can about this process from your local DMV. ...
  2. Get a certified copy of your divorce decree. ...
  3. Obtain pertinent information about the car. ...
  4. Fill out the necessary paperwork provided by the DMV. ...
  5. Submit your paperwork to the DMV.

Does being separated affect car insurance?

A separated or divorced couple will need to decide who gets which car. If there is a change in the ownership of a car it will also entail a change in who holds the insurance policy. If you or your spouse changes your address, you should get a separate auto policy immediately.

What happens if someone borrows your car and gets in an accident?

Vehicle Owners Are Liable Under California Law

This law holds a vehicle's owner responsible for collisions caused by the driver of the vehicle – even if the driver is not the owner. Liability is determined by identifying the actual owner of the vehicle.

What happens if you don't add a driver to your insurance?

If someone in your household, who is unknown to your insurance company, gets in an accident, your insurer might rescind or cancel your policy and/or deny your insurance claim because they've been kept in the dark.

How to remove someone from a car insurance policy Progressive?

Current Progressive customers can log in to their policy to make updates or call us at 1-866-749-7436 to discuss removing a driver from their policy. Looking for more information about auto insurance? Our car insurance resource center has you covered. Learn more about car insurance policies.