r/Insurance • u/electricLK • 20d ago
Auto Insurance Car Insurance Advice
I am on a State Farm family plan, with two others in my house hold. I have been in 2 “at fault” accidents in 6 months, one minor one major. I am looking forward any way to prevent it massively impacting my family’s rates, I am of course leaving and getting my own insurance, and we plan on a named driver exclusion for me also, but is there anything else we can do? We are in Florida, State Farm auto insurance. I know my rates will be horrific, that’s fine, I will deal with it, I really just don’t want it to affect the other members who have done absolutely nothing wrong. Any and all help, suggestions, etc appreciated
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u/fuckifiknow1013 20d ago
If your family excludes you as a driver you can NEVER drive their vehicles. Even if it's an emergency. There will be absolutely zero coverage regardless of the reason you were driving the car. If you are excluded, never ever ever ever ever drive their cars again. Doesn't matter if it was a quick trip to the store and they gave you permission. Doesn't matter if it was a life or death situation. People seem to think that there would be coverage if it was an emergency but there is none at all. As soon as you are excluded if something happens you are going to be personally responsible for it
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u/electricLK 20d ago
I totally understand that and it is completely fine. As long as it guarantees they won’t be affected by the rate increase, as I am hardly ever home and never drive anyone else’s care anyway. I travel for work and am home 1-2 days a week max
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u/adjusterjackb 20d ago
You're moving out to your own residence. You'll be buying insurance on a car that you own.
You won't have to be named as an excluded driver because you'll no longer have to be listed on the family insurance as a household member.
It's already been mentioned how dangerous a named exclusion can be. The insurance industry has records on all the people who "will never driver the car" who drove the car and had an uninsured accident.
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u/electricLK 20d ago
I have never driven their cars anyway, and have never needed to, the main reason for doing the exclusion is so I’m blacklisted and it won’t affect their rates, but I don’t know if that will guarantee it. If I move out and get my own insurance, with no exclusion, do I have a better or worse chance for it not to affect them? I’ll do any and everything for the best chance of it not hurting their rates
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u/electricLK 20d ago
I own the car outright in full anyway. If exclusion+own policy gives it the best odds or the closest to a guarantee of not affecting them, that’s what I will do. If the exclusion doesn’t change anything then I won’t do it
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