Car Insurance 2020: What Are The Typical Auto Insurance Exclusions?

LOS ANGELES, March 4, 2020 /PRNewswire-PRWeb/ -- Car insurance exclusions are provisions written in the insurance contract. They exclude coverage for a particular driver or event. Carefully check the Exclusions section before signing any contract. Drivers can also check https://compare-autoinsurance.org/ for more info about car insurance and free quotes.

The most common car insurance exclusions include:

    --  Damage caused by unregistered drivers. It's quite common for a driver to
        borrow the car to a friend or a relative. In most cases, these friends
        or relatives are not registered in the car insurance contract. If any of
        these unregistered friends or relatives is at-fault in a car accident,
        then the insurance company can void the insurance policy and deny any
        claims.
    --  Damaging the car on purpose. Intentionally damaging the car is another
        typical exclusion. Companies will investigate the cause of the damage
        before resolving any claim. If the damage was caused on purpose, the
        claim will be rejected and the policyholder can be even accused of a
        fraud attempt.
    --  Using a personal car for commercial purposes. Many insurance companies
        will not cover an accident if the vehicle was used to deliver goods or
        materials at the moment of the accident. For any commercial use, the
        policyholder must purchase commercial car insurance.
    --  Unapproved customization. Drivers that are modifying their vehicles
        without announcing their insurers, might get in trouble. The customized
        parts will not be covered by the insurance provider, and in many cases,
        the entire vehicle will become uninsurable. Most car insurance contracts
        require the policyholders to announce their insurers if they plan to
        modify their vehicles. If they fail to do that, then the insurance
        contract can be voided.
    --  Consequential damage. This type of damage refers to other losses or
        damage that resulted from a claimable event. For example, drivers can
        lose their wages if they are not capable to drive to their workplace as
        a result of a car accident. This type of damage is not covered by car
        insurance companies.

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