Excluded Driver

Wow, rough one. Would have to get into the language of the specific policy and more importantly the Driver Exclusion endorsement. Guaranteed HO policy does not cover.

Read the actual driver exclusion, your answer lies within that document. If vague (as it may likely be in this situation), the interpretation will be done by the clams department of the carrier. If they deny, the cyclist can proceed with a UM claim under their own policy and their carrier will come after your insured to recoup their money.

If your client disagrees with his own carrier's denial, he can sue them, agree to arbitrate the dispute and/or file a complaint with the CA Dept of Insurance.
 
Well most bikes accidents are cause by drivers opening there doors and not looking at them coming.
 
Update on the Claim the company paid the claim out about $3500 for medical bill etc. Client called and was complaning on his rate. Boy you can't WIN..
 
i would give him flo's number. lets see he was an excluded driver, who happen to open the drivers door, to get something out of the car. those kind of clients mess up your claims ratio.
 
i would give him flo's number. lets see he was an excluded driver, who happen to open the drivers door, to get something out of the car. those kind of clients mess up your claims ratio.

U are right hate when the company take care of them on the claim. And they thank u by leaving after they hit u with 250k on a claim. :D
 
Back
Top