State Farm Driver Exclusion Agreement

In either case, you have two options: pay higher (sometimes much higher) premiums or have the statistically risky driver excluded from your policy. If you exclude a particular driver from your insurance, you will expressly promise the insurer that the excluded driver does not have a license and can in no way operate the insured vehicle. And as a result, you should not be charged the higher premium rate that you would have to pay if the driver was not excluded from the policy. In accordance with these definitions, the Directive lists 16 exclusions. the exclusion invoked by the insurer in the present cases is called “i”; It states that insurance does not apply under “coverage A to bodily injury of the insured or a member of the insured`s family who resides in the same household as the insured.” (Inscription in italics.) We also note two other exclusions using the term “insured”, since cases where such exclusions are interpreted may be relevant to the design of the exclusion [10 Cal.3d 200] “i”: exclusion “h” prohibits coverage under certain conditions for “assault on a member of the insured`s staff”; Fn. 4 and exclusion “j” refuses to cover liability in the event of “breach or destruction of property belonging to or carried by the insured. …” Fn. 5 Since State Farm has undertaken to pay for the bodily injury of other persons on behalf of the insured rights, the terms “insured” and “other persons” are to be read on top of each other. There is no legal provision defining the term “insured” as used in Section 16454 of the Vehicle Code and, therefore, the legal language has the same degree of ambiguity and is subject to the same conflicting interpretations as the word “insured” excluding “i” from the State Farm policy.

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