My question involves insurance law for the state of: Louisiana
Can a parent exclude a child because they want their rates to go down and still allow the child to drive? If the child is in an accident and they are at fault what type of penalty will they face? I was unaware that excluding a person was allowable because most states require that every vehicle on the roads MUST be insured. So, what rights do people have when hit and injured by someone who is allow to drive the excluded vehicle?