What Does Voluntary Excess Mean On Car Insurance? 
The terms you are using are somewhat taken out of context so I do not know exactly how they are used . With that said , let me explain the two words `` Voluntary '' refers to coverage provided to a customer because the insurer wants to provide coverage in that state for the assigned price . You are free to buy it or not and the company is free to insure you or not . `` Involuntary '' would refer to policies an insurer must write , because of some risk sharing mechanism such as an Assigned Risk Plan . The insurer by virtue of its voluntary writings is then required to take some per cent of the involuntary exposures in a state . This is true of assigned risk plans which operate in about 40 states . `` Excess '' refers to an amount of coverage over some other coverage . You can obtain Excess coverage over your limits of liability coverage and sometimes over your Uninsured Motorist Coverage . Typically a person might buy an Umbrella policy to be `` excess `` of their personal auto coverage . If you are offered Excess coverage over a specific coverage you should ask an insurance professional if an umbrella is available as well . 