If you give your car to a family member to use and they get in an accident, that is not the time to find out that they are listed as an excluded driver on your insurance policy. This is even worse when the family member is at fault for the accident. Your insurance company will not provide any benefits if an excluded driver is the cause of an accident. There have been cases where the listed excluded drivers were members of the same household as the owner of the policy. Go check your car insurance policy today.