You may think you are fully covered by your personal auto insurance policy, but are you aware of the exclusions which may be written into your policy? Not knowing the particulars of your individual policy may be putting you at risk of not being insured in certain situations. If you have been involved in a car or motorcycle accident, you need to consult with a motorcycle crash lawyer Irvine to determine how you can settle your case. We have a top auto accident attorney Newport Beach ready to meet with you to determine the best way to proceed in your case.
What is an exclusion?
Insurance companies may write in a provision which limits their coverage for certain types of conditions or loss. These provisions can vary from state to state, and company to company. If an exclusion is written into your policy, you are not covered for that particular item mentioned. For instance, in a recent case, a man rented a moving van from Ryder to move to his new home. He was hit from behind, and his insurance company denied his claim. The reason? His policy specifically excluded from coverage any 6 wheeled vehicles. Even though Ryder offered him additional insurance, he declined under the impression his policy would cover any loss. Would you know that your policy doesn’t cover 6 wheeled vehicles? Most wouldn’t.
You may not be covered in other areas, such as catastrophic events, earthquakes, terrorism, or war. These types of exclusions are known as named perils. It is very important to go over your personal insurance policy and know what is and is not covered. The exclusions may be included in different areas of the policy- check in the endorsement area, and also in the definitions and conditions part of the policy.
In the case of an accident, you want to make sure that you will have adequate coverage for any property damage or injuries. Another important part to check on is your coverage for uninsured/underinsured motorists. If you are unfortunate enough to be involved in an accident which was caused by someone who did not have proper coverage, you will need to rely on that part of your own insurance policy. Our top auto accident attorney Newport Beach will review your policy and make recommendations on how to proceed. As a motorcycle accident victim, you need the best motorcycle crash lawyer Irvine to represent you.
Contact The Law of Jeffrey S. Dawson today at 949/861-2191 for a free consultation to discuss your case. Jeffrey Dawson is a uniquely qualified personal injury lawyer. He has worked on the other side, as well – for the insurance firms, and knows how they think. The advantage of hiring Jeffrey is that he can give you the much needed peace of mind necessary in any accident claim. Call today.
The Law Offices of Jeffrey S. Dawson
9841 Irvine Center Drive
Irvine, CA 92618