Quote:
Originally Posted by arpad_m
I asked my insurance agent why we can't have a clause or a waiver added to the contract that says if anyone who's not on the policy drives the car, be they a teenage family member or an illegal alien, they are solely liable for all damages, then reduce my rate, because the company's liability on my account just had a giant drop. He is very helpful in general, but couldn't give me a plausible answer to this one.
Also, if half the drivers on the road are uninsured, what are the consequences to them? Nothing? Then soon the other half will join them in their uninsured driving bliss, it'll be like an avalanche.
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That is a thing... you can specify "excluded drivers." That said, perhaps that option varies by state or insurance carrier.