Christopher Tidball

Christopher Tidball, Author

THE ADJUSTER
Christopher Tidball

WELCOME TO ASK
THE ADJUSTER

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Chris Tidball is a recognized leader on insurance claims, having spent more than 20 years with leader insurers in adjusting, management and leadership roles. While he has testified on insurance related matters in federal and state court, and his training sessions have been approved by various states for CE credits, he is not a lawyer nor a medical provider. This forum is to provide basic claims information to answer commonly asked questions to help people navigate the claims process. If you need legal advice, please consult with an attorney. If you need medical treatment related to a claim, please consult with a medical provider.
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Auto Wreck

Frustrated Driver

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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