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Would you be surprised to learn that if your laptop gets stolen during a car break-in, your automobile insurance probably won’t reimburse you for the loss? Don’t be.
Many people have only a vague idea of things like: what their car insurance does and doesn’t cover, how they might accidentally void their coverage, or that even if an accident isn’t their fault, their own insurance may not pay for damages if they don’t have the right kind of coverage.
Common car insurance exclusions include:
• Named driver exclusion. This is an agreement between you and your insurance company to exclude a specific person from coverage for liability, or physical damage caused when driving a car you insure. You might choose it if, for example, the insurer is threatening to cancel your policy because a family member has an unsafe driving record, or a suspended license.
Such drivers should never be allowed to drive cars from which they’ve been excluded; it’s the same as driving uninsured and you both could be held personally liable for any damages.
Interestingly, some policies will cover friends and/or family members when they drive your car, provided they don’t live in your household. Coverage levels in such situations may be less, so check your policy carefully for details.
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