Car Insurance Exclusion of the Vehicle Owner

Q:  I was in accident that was ruled my fault. I also was excluded from the car insurance policy that my girlfriend holds. I own the car & the only reason I was excluded was to save money, I had a point from a accident 3 years ago.  The car insurance company called me back to say they’re checking my vin number on my car & they were going to review it & they might process the claim..can they put me back on the policy..

A: This is really the call of the insurance company. If you are the owner of the vehicle, most insurance companies will not allow you to insure your car on one of their policies and then exclude yourself as a driver to get a cheaper rate.  A driver exclusion means that the excluded driver does not drive that vehicle EVER, that is why the rate is cheaper.  So the reality is, that the insurance company does not trust that you as the owner of the vehicle never drive your own vehicle.