Named Driver Exclusions in Auto Insurance

Because motor vehicles are often operated by residents of a named insured's household other than the insured himself or herself, the driving records of such household members may create difficulties for the insured in obtaining auto insurance coverage for a car or truck. Named driver exclusions in motor vehicle insurance policies have been devised as a means of resolving this difficulty.

Auto Insurance Coverage for Unlicensed Drivers

Possession of a valid driver's license, while a prerequisite for the legal operation of a car or truck on the public roads, is clearly not a prerequisite for being physically capable of driving a vehicle. As a result, a great many motor vehicles in the United States are driven by persons not legally licensed to do so. Such unlicensed operations, and the vehicular accidents that inevitably result from them, raise a number of issues in the area of motor vehicle insurance.

Cancellation of Auto Insurance for Accidents and Traffic Violations

The system of motor vehicle insurance in the United States is based on the ever-changing risk and loss experience of insurers, which in turn is created by the way in which individual drivers operate their cars and trucks on an everyday basis.

Exclusions for Violations of Law in Motorists Insurance

Insurance companies do not defend their insureds in criminal proceedings based on automobile collisions. However, nearly all automobile collisions result from infractions of traffic regulations. The fact that an insured was violating a law at the time a covered accident occurred does not relieve an insurance company's duty to defend that insured in a civil action or its duty to pay for the injuries or damages caused by the insured.

Underinsured/Uninsured Motorists Stacking Provisions

Underinsured motorist coverage, sometimes abbreviated UIM, and uninsured motorist coverage, sometimes abbreviated UM, are included in motor vehicle insurance policies as a consequence of the fact that many owners and operators of cars and trucks either do not maintain adequate insurance coverage on their vehicles or operate those vehicles without any insurance coverage at all.