Common Auto Insurance Exclusions
Auto insurance policies often have specific exclusions that are important to understand. Here are some common exclusions:
- Intentional Damage: If you cause damage to your vehicle or another vehicle intentionally, it typically won't be covered.
- Driving Under the Influence: Accidents that occur while driving under the influence of alcohol or drugs are usually excluded.
- Use of Vehicle for Business: If you use your vehicle for business purposes, such as deliveries or ride-sharing, your personal auto policy may not cover it.
- Unauthorized Drivers: If someone who is not listed on your policy drives your car and gets into an accident, coverage may not apply.
- Mechanical Failures: Damage caused by mechanical breakdowns or failure, like engine issues, is often not covered by auto insurance.
- Racing or Stunts: If you use your vehicle for racing or any illegal stunts, any damages incurred are generally excluded.
- Wear and Tear: Regular wear and tear or maintenance issues aren't covered under auto insurance policies.
- Non-Accidental Damage: Non-accidental damages, such as theft-related issues when certain conditions aren’t met, may not be compensated.
Understanding these exclusions can help you better prepare and choose the right coverage for your needs.