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intercst: "Here's a good write up on "excluded drivers".

Excluded Drivers: Does Everyone in Your Home Need to Be Insured?
https://blog.esurance.com/excluded-drivers-does-everyone-in-...

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"Note that even if your kid provided a signed affidavit that he would never drive your car, if he did, the insurance company would still have to pay any liability claim."

That is not what the article you linked said: "In most states, an excluded driver would have no coverage at all, but some states do require limited liability coverage for excluded drivers."

"The insurer could come after you to reclaim the expense of settling the claim after the fact, but the insurer would be on the hook originally."

And even if accurate, liability would only be for claims from third parties, up to the policy limits, and not cover damage to your own car, i.e., the one driven by the excluded driver (and perhaps not cover the excluded driver, at least to the extent of his or her negligence).

Regards, JAFO
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