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.)
Here's a look at some of the most common exclusions found in the different parts of a personal auto insurance policy.
Bodily and property damage liability exclusions
Most policies plainly state they don't provide liability coverage:
If an insured has intentionally caused injury or property damage.
You might wonder precisely what kind of behavior your insurance company will cover if you're in an accident, and what kind of behavior is excluded.
· What if you rear-end another car while texting?
· What if you crash while street racing?
· What if you sideswipe a guardrail while scarfing a double cheeseburger, extra mayo, while talking on a cellphone and tuning the radio with your pet dachshund on your lap?
In the end, the rules wind up being pretty simple, experts say. Stupidity tends to be covered. Intentional misbehavior usually isn't.
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.