· Lap dogs? Covered.
· Herd of wild animals? Covered unless you intentionally hit them.
And even though texting and talking on the phone is against the law in many jurisdictions, that behavior would be covered by insurers if you get into an accident.
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.