Exclusions can be associated with a person, property, location, peril or specific situation.
These limitations to your coverage are important to know so that you don't end up in a situation where you find out after an auto accident that you have no coverage -- or have voided your policy. (Remember if your policy doesn't cover you, then you'll be stuck paying out-of-pocket usually.)
Medical coverages you can purchase for yourself as part of an auto insurance policy have exclusions as well. Typically, they include injuries sustained in circumstances such as catastrophic events, racing or livery service, as well as situations such as:
· Injured on a motorized vehicle having fewer than four wheels
· Injured while using the vehicle as a residence
· Injuries that workers compensation benefits should cover because occurred during the course of work
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.