这里还有篇,特别提到了.Comprehensive and Collision．还有直系亲属，如儿子．

http://www.claimsjournal.com/news/national/2014/06/05/249762.htm

Comprehensive and Collision

Comprehensive and collision auto insurance coverage, on the other hand, are tied to the insured vehicle (they follow the car). These coverages pay for damage that befalls the insured vehicle as a result of an accident or vandalism. One could say that if you loan your vehicle, you loan your insurance. With comprehensive insurance which covers almost everything, it is the car rather than the driver that is covered. This, however, requires many stipulations to be put in place, such as who is allowed to drive the car. If someone other than the insured is driving a vehicle covered by comprehensive coverage and is not listed as a covered driver – even if the other person has permission – the other person might not be covered in an accident. Family members (such as children or a spouse) are generally already included in the policy definition of “insured.” However, rarely will insurance cover a driver operating a vehicle without the owner’s permission.

所有跟帖： 

• 樓主的情況是 -單身老貓- ♂ (1654 bytes) () 04/14/2016 postreply 13:42:13

• 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

• 知福惜福, 真得非常谢谢您的热心帮助. 我也是这样认为否则决不会让孩子开. 问题出在我 removed 孩子名从我的保险.我在德 -宁静致远89- ♀ (0 bytes) () 04/14/2016 postreply 13:48:39

• 我在德州.孩子在加州 -宁静致远89- ♀ (0 bytes) () 04/14/2016 postreply 13:49:43

• 你看一下这个专门针对德州的exclusion list, 除非你把你儿子名字特意放到了保险条款的exclused list,上， -知福惜福- ♀ (384 bytes) () 04/14/2016 postreply 20:50:02