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.)
Vehicles that are excluded from coverage (or deemed unacceptable to cover for either liability or physical damage coverages) vary but the list may include:
1. One with less than four wheels
2. Designed for use principally off public roads or not registered for use on public roads
3. Any vehicle owned by you or a family member but isn't listed as insured on your policy.
4. Any vehicle furnished for your regular use but isn't listed as insured on your policy.
5. Any vehicle used for the purpose of competing in a race or practicing or preparing for any prearranged or organized racing or speed contest.
6. Some insurers have amended policies to include an exclusion for any vehicle that is operated, maintained, or used as part of a personal vehicle sharing program. So, loaning your vehicle out for to a car-sharing service could mean you have no personal coverages.
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.