Car Accident? What does your policy cover? October 9, 2009

If you are in a car accident in the Central Florida area, you may think that your “full coverage” will pay for all of the damages you sustained.    As a Daytona Beach personal injury attorney, I see insurance policy exclusions that allow the insurance company to aviod paying for some of the damages a car accident victim sustainted.    In this blog I will talk about some of the common exclusions from liability coverage. 

There are common exclusions that allow insurance companies to deny coverage if the motor vehicle is being used to carry persons for a charge, if the motor vehicle is being used in the automobile business, is the parties are in a fellow employee status at the time of the accident, if the party filing the claim is an employee of the insured or if the person injured and filing the claim is either a member of the insured’s family.  This is not meant to be an exhaustive list but rather examples of some common exclusions. 

There are many other ways that insurance companies deny coverage.  This Daytona Beach Personal Injury Lawyer believes that if you are involved in an accident it is important to become informed and not trust that your insurance adjuster is acting in your best interest.