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Common Car Insurance Exclusions That Could Impact Your Claim

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Avoid denied claims by understanding common car insurance exclusions. Contact The Hoffmann Law Firm for a free case review with an experienced St. Louis lawyer.

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Car insurance is meant to provide financial protection after an accident, but many policyholders are unaware of the exclusions that could prevent them from receiving compensation. Understanding these exclusions can help you avoid unexpected insurance claim denials when you need coverage the most.

1. Intentional Damage

If you intentionally cause an accident or damage your vehicle, your insurance provider will not cover the costs. Fraudulent claims or reckless behavior, such as road rage incidents, typically fall under this exclusion.

2. Driving Under the Influence (DUI)

Most insurance policies exclude coverage for accidents caused while driving under the influence of alcohol or drugs. If you are found to be impaired at the time of the crash, your insurer may deny your claim, leaving you financially responsible for damages and injuries.

3. Underinsured Motorists

Missouri law requires uninsured motorist coverage, but underinsured motorist coverage is optional. If you’re hit by an underinsured driver and don’t have this coverage, you may have to cover your medical expenses and vehicle repairs out of pocket.

4. Commercial Use of Your Vehicle

If you use your personal vehicle for business purposes, such as food delivery or ridesharing, your insurance policy may not cover accidents that occur while working. Many insurers require a commercial auto policy or a rideshare endorsement for coverage in these situations.

5. Excluded Drivers

Your claim may be denied if a driver explicitly excluded from your policy is behind the wheel during an accident. Reviewing your policy to understand who is covered under your plan is important.

6. Lapsed or Expired Policies

If your policy lapses due to non-payment, any accidents during that period will not be covered. Ensure your premiums are paid on time to maintain continuous coverage.

7. Mechanical Failures and Wear and Tear

Car insurance does not cover mechanical breakdowns, routine maintenance, or general wear and tear. If your car experiences engine failure or transmission issues, you will need a separate warranty or repair plan to cover the costs.

8. Acts of War and Natural Disasters

Many policies exclude coverage for damages caused by war, nuclear incidents, or large-scale natural disasters like earthquakes and floods. You may need specialized coverage, such as comprehensive insurance, to protect against these events.

9. Using Your Vehicle for Racing or Illegal Activities

If you participate in street racing, off-road racing, or other illegal activities, your insurance company will not cover any damages or injuries that occur as a result.

What to Do If Your Claim Is Denied

You still have options if your insurance company denies your claim based on an exclusion. You can dispute the denial, provide additional evidence, or seek legal assistance. A knowledgeable insurance lawyer can help you navigate the claims process and fight for the compensation you deserve.

Contact an Experienced Car Accident Lawyer Today

At The Hoffmann Law Firm, L.L.C., we have been helping car accident victims in St. Louis for over 25 years. Insurance companies often look for ways to deny or minimize claims, but we know how to fight back and maximize your compensation. Whether your claim was denied or you’re facing difficulties with your insurer, we are here to help.

Don’t let insurance exclusions keep you from getting the compensation you need. Contact us today for a free case evaluation. Please fill out our online contact form or call us now at (314) 361-4242 to speak directly with an experienced St. Louis car accident lawyer who will personally handle your case.

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Don’t talk to an insurance claims adjuster before speaking with The Hoffmann Law Firm, L.L.C. We can help you avoid making statements that may affect the outcome of your case. The consultation is free; you don’t pay unless we get you money!

Updated: February 14, 2025
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