樓主的情況是

excluding drivers on your policy

While a few states (Kansas, Michigan, New York, Virginia, and Wisconsin) don't allow driver exclusions, many others permit you to exclude specific drivers from your policy. In general, car insurance companies may ask you to exclude certain drivers — say, someone with numerous accidents or DUIs — from your policy to protect them from added risk. Or you may decide to exclude a family member, such as a young teenage driver or a spouse with a less-than-stellar driving record and his or her own insurance, to save on your premium.

If an excluded driver takes your vehicle for a spin, with or without your permission, your car insurance will probably not cover the accident if one occurs. Though state laws differ, the following generally applies:

• If an excluded driver borrows the car with your permission and an accident happens, both you and the driver will be personally responsible for any damages caused.
• If an excluded driver takes off with your wheels without your permission and gets into an accident, depending on your state's laws, you might not be held liable if an incident occurs.
• If you live in a no-fault state, you may not be responsible for personal injury, but you and the excluded driver may still be responsible for personal liability. That is, if the injured party's insurance limits have already been reached to cover the accident, he or she could take both of you to court to recover any remaining expenses.

所有跟帖： 

• 老猫,能否烦您回答一下我新的问题吗? 先谢过 -宁静致远89- ♀ (306 bytes) () 04/14/2016 postreply 13:52:55

• 找律师花钱消灾。 -柠檬椰子汁- ♂ (266 bytes) () 04/14/2016 postreply 14:10:52

• thanks ! I set a high value on your advice. -宁静致远89- ♀ (0 bytes) () 04/14/2016 postreply 14:21:04

• 我的理解：exclude是指特意给保险公司说我不让这人开我车,但是REMOVE AND ADD THE NAME不算是EXCLU -知福惜福- ♀ (110 bytes) () 04/14/2016 postreply 14:44:24

• 楼主就是听了像你那样的话，才吃了这个亏。 -水中捞月- ♂ (1485 bytes) () 04/14/2016 postreply 15:01:52

• 孩子长大了应该把他从exclusion去掉 -柠檬椰子汁- ♂ (790 bytes) () 04/14/2016 postreply 15:15:20

• “把孩子从exclusion list 里面去掉”，有网页信息链接吗？俺来学习学习。 -水中捞月- ♂ (0 bytes) () 04/14/2016 postreply 15:27:40

• 并非如此。25岁以下单身的保险会很贵，并不是你说拿掉就拿掉那么简单。 -白兔妈- ♀ (0 bytes) () 04/14/2016 postreply 15:43:35

• 她儿子成年后曾经买过保险，那个时候她就应该把孩子从exclusion list去掉 -柠檬椰子汁- ♂ (0 bytes) () 04/14/2016 postreply 15:49:44

• 一样是25岁以下single。你去看一下你的policy就明白了 -白兔妈- ♀ (120 bytes) () 04/14/2016 postreply 15:58:20

• 柠檬所言极是.是我自己沒有仔细查保险內容才造成这个局面也希望能引起大家的注意避免我的错误 -宁静致远89- ♀ (0 bytes) () 04/14/2016 postreply 16:37:55