Can an insurance company exclude a member of the household from an automobile liability policy?

Yes. the Oklahoma Supreme Court has ruled that an insurance company may exclude a specifically named driver from coverage offered by an automobile liabilty policy. In Pierce v. Oklahoma Property & Casualty Insurance Co., the Supreme Court of Oklahoma evaluated conflicting public policies and upheld this exclusion that allows members of a household to obtain coverage by excluding other members of the household who have poor driving records. The court reasoned that it would be bad public policy to preclude all drivers in a household from obtaining liability coverage due to the bad driving record of a single member of the household.


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