Christopher Tidball, Author

THE ADJUSTER
Christopher Tidball

Dear Adjuster,

I recently had an accident where I was rear-ended by the other company. However, they denied my claim because the driver of their car was excluded under their policy. Can the insurance company do this?

Frustrated Driver


Dear Frustrated Driver,

As is so often the case with insurance claims the answer is that it depends. Without seeing the policy, it is impossible to know if that is a valid exclusion. In many states drivers can be excluded from the policy for a variety of reasons. You have several avenues of recourse. If you have collision coverage for your car, you can file a claim with your insurance company. They will take care of, less your deductible, and then attempt to subrogate the other insurance company for what they paid plus your deductible.

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