While I do not practice in your jurisdiction, you should contact an attorney immediately.
Unfortunately, if a driver is excluded you need to find out more information, on why. Typically, that means they are not covered by the insurance policy. But, there may be exceptions, depending upon how the excluded driver obtained control of the vehicle and for what purpose.
If you were injured you need to speak with a Texas personal injury attorney. Do not speak to the insurance company or sign any of their forms before you speak to a lawyer.
A lawyer will help in determining if there is insurance coverage for the excluded driver
For free information on Texas car accidents, please visit the link below.
There are too many variables that need to be examined before anyone can answer this question. You need to speak with a Texas attorney. My firm would be happy to speak with you for free.
