1. If you alter your car in any way that affects the safety of your automobile, sometimes insurers will not pay claims.
2. For property damage to property owned (or being transported) by the insured. So if you hit your own car you can't make a liability claim.
3. For property damage to property that is rented, used by or in the care of the insured.
4. For bodily injury to the insured or any member of an insured's family residing in the insured's household. (Some states only allow the policy to reduce the bodily injury limits for family members to the state's minimum)
5. For liability arising out of the ownership or operation of a vehicle being used for “livery conveyance.” This means using your vehicle in transportation of goods or people for payment - so don't use your car as taxi or delivery service. So, don't use your car for delivering pizzas, or you may void your coverage.
In general, using your vehicle for business purposes can be a no-no according to your liability policy. For example, it may say that the business of:
Selling, repairing servicing, storing or parking vehicles (other than your insured vehicles) is not covered by your liability or physical damage coverages.
Maintaining or using any vehicle that the insureds are using to engage in business --other than farming or ranching - may not covered. (If you are using your vehicle for business, see about a business-use or commercial policy)
Catastrophic events or exposures are usually marked as excluded as well. This can include items such as bodily injury or property damage resulting from:
6. Nuclear exposure or explosion - including the resulting fire, radiation, or contamination.
7. Bio-chemical attack or exposure to bio-chemical agents as a result of an act of terrorism.
8. War (declared or undeclared)
Besides exclusions, a policy may have other restrictions to look for.
To be aware of your exclusions and restrictions, read your policy and then contact our agency if you have questions.