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Old 08-05-2011, 02:37 PM   #1
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Insurance question....

Any insurance agents here?

I was at the library flipping through all of the car rags and was reading an editorial in one of them (don't remeber; they're all the same now) where the editorialist describes how his wife totaled their BMW. He freely admits in his editorial that his wife was "fishing" through her purse and drove the car off the road and into a tree.

So it begs the question; could his insurance provider deny coverage for an act that was clearly the drivers fault and to which the husband/wife clearly admit fault?

Just curious.....

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Old 08-05-2011, 06:02 PM   #2
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No, the company has to pay the claim. There are at-fault accidents all the time where the insurance company pays the claims of the at-fault drivers.

You can also check with the policy state's Department of Insurance (DOI) for answers to many of your insurance questions.
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Old 08-05-2011, 10:12 PM   #3
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An insurance company could deny coverage for an intentional act, but the situation the OP describes isn't intentional, just stupidity. It's not in your policy, but yes, insurance covers stupidity.

As an example of an intentional act, Lady gets 'upset' at ex-husband and rams his car with her car (assuming here they each have their own insurance with different companies). Lady's insurance company could deny all coverage. Lady would not only be responsible to reimburse ex-husb's insurance company for damages to his car, she might also have to pay out-of pocket to fix her own car.
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