Generally auto insurance companies would not like to make a big deal especially when the claims are small. Plus they have no intention of upsetting a policyholder who is likely to pay premiums for a long time. However, this does not mean that there are no rules and regulations. Every policy stipulates the responsibilities of the policyholder and which conditions they need to be mindful of. If a company does not care enough about these conditions undeserving drivers would get paid. As a result the company would be forced to raise premiums for other customers.
First of all, the appropriate coverage should be in place. Otherwise, policyholder would not be able to make a claim at all. Even though it seems obvious many people come looking for compensation for their own damages when they only have liabilities cover and they caused the accident. Most damages of the policy holders are paid by comprehensive and collision covers. Without these additions on the policy people cannot expect to get paid for their own losses.
Every policy requires the vehicle owner to take due care to protect it from damages and theft. Because it is fully insured you cannot leave it knowingly on the harm’s way. Nor you can deliberately cause the damages by bashing the car. The same applies to other family members. If an angry wife took a baseball bat to the insured automobile it is unlikely that auto insurers will be impressed with the claim. It is the responsibility of the owner to look after the vehicle as if there is no insurance covering it.
Every policy defines the usage of the vehicle clearly. Using it for any unlawful purposes will nullify the policy. For example, if it is used as a getaway car in a burglary by the owner any damages incurred during the consequent police chase will certainly not be covered. Even though it is an extreme example, the point is clear. The vehicle should not be used to commit a crime or during a criminal offense.
Most companies will not probably pay for the damages to the own auto while one of the listed drivers is intoxicated and caused the incident. Some companies take a hard stand for such behavior and may even cancel the policy with immediate effect. Driving a car under the influence is a criminal offence and insurers will not put up with it.
One interesting area is the act of God. Normal circumstances of storm, flood and other weather damages would not cause a problem. However, anything in the catastrophic nature can cause problems for all the insurers. In such cases they may refuse to pay the claims on the grounds that the occurrence was of an epic nature and they could not have accounted for it. Furthermore, most companies exclude certain risks in certain areas because the likelihood is too high for them to cover. A good example is earthquakes in California.
Ordinarily war and civil unrest would be omitted in just about all coverage around the globe. Currently terrorism is being omitted also by virtually all providers. However it may be possible to buy such ruled out earthquake and terrorism cover at extra premium if they were excluded. Simple check over coverage papers must present what is provided or not. Ultimately you might like to confirm such exceptions in the course of buying the vehicle insurance policy.
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