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  • FYI Express: GA 05/22
  • Promotional Videos
  • I Promote You!
  • Georgia 20 Hour Limited Subagent
  • Georgia 20 Hour Personal Lines Agent
  • Georgia 24 hours CE On Demand
    • #1: Georgia OCI
    • #2: Modern Family
    • #3: Auto Insurance
    • #4: Home Insurance
    • #5: Stand Alone Policies
    • #6: RC vs ACV
    • #7: E & O Prevention
    • #8: Small Business Insurance
    • #9: Ethics
    • #10: Life Lessons
    • #11: You Deserve a Break
    • #12: Insurance Fraud
    • #13: Here Comes the Judge
    • #14: Agency Management
    • #15: Customer Service Tips
    • #16: Employee Training
    • #17: Insurance 101
    • #18: Coinsurance Clause
    • #19: C.O.P.E.
    • #20: General Contractors
    • #21: Garage Insurance
    • #22: Trucking Companies
    • #23: Restaurant Insurance
    • #24: Digital Handshakes using Zoom
    • #25: Day Care Centers
    • 24 Hour CE Exam
  • South Carolina Personal Lines Course
  • Texas Limited Lines Course
  • Training for New Hires: Personal Lines
  • Training for New Hires: Commercial Lines
  • Training for New Agency Owners
  • Your Insurance Tips
  • Classified Ads
    • Privacy Policy
  • Is Your Website WCAG Accessible?
FYI Express

​The most common car insurance exclusions

8/27/2021

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Car insurance exclusions are provisions written in the insurance contract. They exclude coverage for a particular driver or event. You should carefully check the Exclusions section in your policy.
The most common car insurance exclusions include:
  • Excluding a certain driver. The insurer may exclude a high-risk driver in the client's household. This will save the policyholder some money. Once excluded, that person should not drive the covered car. Otherwise, if the excluded driver causes an accident while uninsured, the policyholder may face several penalties, including fines, the chance of being dropped by the insurer and denial of all 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 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.
  • Custom equipment. In order to cover custom parts and equipment, the client must purchase an endorsement. Furthermore, some companies may not agree with customizing a car beyond certain limits and will drop coverage. Make sure to talk to one of our insurance representatives about covering your custom equipment.
Our agency is unique because it does not simply stick to one kind of insurance provider but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.
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