Drivers who need assistance in an area covered by the NCDOT Security Patrol can dial *HP from their mobile phone for assistance. Security Patrol vehicles are blue and white and have the NCDOT and GEICO logos, as well as highly reflective safety markings for motorists to see more of them, especially at night. The NCDOT Security Patrol covers certain road routes during peak travel times in Raleigh, Durham, Greensboro, Winston-Salem, Fayetteville, Wilmington, Charlotte, Asheville, Haywood County and other areas, as indicated in the map below. Department of Transportation Find contact information for NCDOT employees, local offices and more.
You've heard the term “driver excluded” before and you think it might apply to your cousin and your car insurance policy. A driver like Alisha could be considered a “high-risk driver,” and excluding her could help you maintain a cheap car insurance rate. Unfortunately, you don't feel comfortable allowing him to drive your car and you're worried that adding it to your insurance policy could cause your rate to go up. So, if you've ever wondered if I need to add my son to my car insurance or have to include my roommate in my car insurance, now you know that at least your insurer should know.
Before you decide to exclude a driver from your insurance policy, talk to your insurance agent about your specific situation. Generally speaking, insurers will ask you to make a list of all the members of the household when you apply for an auto insurance policy. And if you took your car without your permission, you may be required to prove that you stole it so that your insurance company will cover the accident. The consequences of not informing your insurance company about drivers who live with you can be costly if the insurance company discovers missing information, such as denial of coverage, policy cancellation, or termination.
In addition, your car insurance company may decide to take other adverse action against you, such as not renewing your policy. When an insurer asks you to make a list of the members of your household, it is trying to get a full picture of your situation and the extent of the risk you will insure. So, call your insurance company to find out if your cousin might be excluded from your car insurance policy. Let's say you include Alisha as an excluded driver in your car insurance policy, but she ends up driving your car anyway.