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There is a Virginia law governing excluded drivers. An excluded driver is someone that you say explicitly is not covered by your insurance policy. In Virginia, the law provides: "an insurer may exclude any person from coverage under a personal umbrella or excess policy, if the exclusion is requested in writing by the first named insured and is acknowledged in writing by the excluded driver." Now your contract with the insurance company may provide additional requirements in order to remove your granddaughter from your insurance policy. If you are having issues with them, you could always just switch insurance companies.