樓主的情況是

excluding drivers on your policy

While a few states (Kansas, Michigan, New York, Virginia, and Wisconsin) don't allow driver exclusions, many others permit you to exclude specific drivers from your policy. In general, car insurance companies may ask you to exclude certain drivers — say, someone with numerous accidents or DUIs — from your policy to protect them from added risk. Or you may decide to exclude a family member, such as a young teenage driver or a spouse with a less-than-stellar driving record and his or her own insurance, to save on your premium.

If an excluded driver takes your vehicle for a spin, with or without your permission, your car insurance will probably not cover the accident if one occurs. Though state laws differ, the following generally applies:

• If an excluded driver borrows the car with your permission and an accident happens, both you and the driver will be personally responsible for any damages caused.
• If an excluded driver takes off with your wheels without your permission and gets into an accident, depending on your state's laws, you might not be held liable if an incident occurs.
• If you live in a no-fault state, you may not be responsible for personal injury, but you and the excluded driver may still be responsible for personal liability. That is, if the injured party's insurance limits have already been reached to cover the accident, he or she could take both of you to court to recover any remaining expenses.

所有跟帖： 

• 老貓,能否煩您回答一下我新的問題嗎? 先謝過 -寧靜致遠89- ♀ (306 bytes) () 04/14/2016 postreply 13:52:55

• 找律師花錢消災。 -檸檬椰子汁- ♂ (266 bytes) () 04/14/2016 postreply 14:10:52

• thanks ! I set a high value on your advice. -寧靜致遠89- ♀ (0 bytes) () 04/14/2016 postreply 14:21:04

• 我的理解：exclude是指特意給保險公司說我不讓這人開我車,但是REMOVE AND ADD THE NAME不算是EXCLU -知福惜福- ♀ (110 bytes) () 04/14/2016 postreply 14:44:24

• 樓主就是聽了像你那樣的話，才吃了這個虧。 -水中撈月- ♂ (1485 bytes) () 04/14/2016 postreply 15:01:52

• 孩子長大了應該把他從exclusion去掉 -檸檬椰子汁- ♂ (790 bytes) () 04/14/2016 postreply 15:15:20

• “把孩子從exclusion list 裏麵去掉”，有網頁信息鏈接嗎？俺來學習學習。 -水中撈月- ♂ (0 bytes) () 04/14/2016 postreply 15:27:40

• 並非如此。25歲以下單身的保險會很貴，並不是你說拿掉就拿掉那麽簡單。 -白兔媽- ♀ (0 bytes) () 04/14/2016 postreply 15:43:35

• 她兒子成年後曾經買過保險，那個時候她就應該把孩子從exclusion list去掉 -檸檬椰子汁- ♂ (0 bytes) () 04/14/2016 postreply 15:49:44

• 一樣是25歲以下single。你去看一下你的policy就明白了 -白兔媽- ♀ (120 bytes) () 04/14/2016 postreply 15:58:20

• 檸檬所言極是.是我自己沒有仔細查保險內容才造成這個局麵也希望能引起大家的注意避免我的錯誤 -寧靜致遠89- ♀ (0 bytes) () 04/14/2016 postreply 16:37:55