Insurance Policy Exclusions

Have you ever taken time to review the exclusions on your insurance policy?

Whether it is car, homeowner’s, disability or any other policy, insurance companies place exclusions on policies to protect themselves from risk. This may restrict your coverage in an unforeseeable loss. Some insurance policy exclusions are common to most companies, but others may be exclusive to a particular provider. Reading the fine print in any contract is important and beneficial. Rules and regulations vary by state, and Floridians can view the state statutes about insurance policy exclusions here. If you have had difficulty processing an insurance claim, or are in dispute with your insurance company over the denial of a claim, you may want to consider contacting an experienced insurance attorney. They may be able to help you understand your legal rights and assist in negotiating the process of a bad faith claim.

Car Insurance Exclusions

Car accidents can happen at any moment and can have devastating effects. Auto insurance is designed to leave you protected against unexpected events, but you may be surprised when you attempt to file a claim after an accident and discover basic conditions are excluded. One common exclusion for many insurance providers is for “hire vehicles.” If you collect a fee for loaning a friend your vehicle it can be considered a hire vehicle and your car insurance may have exclusions against repaying for an accident.

Before signing a car insurance policy, take a few minutes to read through and look for the following exclusions against:

  • Accidents involving family members, often called a “family” or “household” exclusion.
  • Commercial purposes, such as carrying property for a fee.
  • Leasing or renting your personal vehicle to someone.
  • Damage due to wear and tear, mechanical or electrical break down, or weather conditions.
  • Road damage to tires.
  • Reimbursement of custom furnishings, murals, paintings decals or graphics in the event of damage or an accident.
  • Reimbursement of modified mechanics or car parts, such as a custom or aftermarket engine, exhaust system, wheels, or tires.
Car accidents are the most common cause of personal injury and processing a claim through insurance can be difficult. Exclusions in various policies may further complicate the claim and settlement. If you are in dispute with your auto insurance company about a claim or are being denied coverage you may consider contacting an insurance attorney at the Coye Law Firm.

Motorcycle Insurance

All Florida drivers are required to carry a minimum of $10,000 in Personal Injury Protection (PIP) in their insurance policy. Although motorcycle insurance is highly recommended, motorcyclists are not required to carry a specific type.

There are different motorcycle coverages which may reimburse up to 80% of medical bills and 60% of lost job income in the event of an accident. Bodily injury liability coverage pays for injuries that happen to passengers. For Floridians under 21, the required motorcycle insurance coverage is $10,000 for the rider and $20,000 for passengers. 

If you’ve been injured in a motorcycle accident and are processing a claim which has been denied you may benefit from legal advice, especially if a passenger was injured.

Contacting an Attorney

The attorneys with the Coye Law Firm understand that receiving the coverage you deserve is important. At times, people with insurance don’t report a claim due to a misunderstanding with the terms of the policy or find themselves in dispute with their insurance company over the denial of a claim. Reporting a claim and having it reviewed by an experienced lawyer can be important to the success of collecting reimbursement for personal injuries and medical expenses, or damage to your home or other property. 

The attorneys at the Coye Law Firm may be able to help you understand the coverage of your policy and assist in negotiating the claims process. Knowing your rights is important, and the attorneys at the Coye Law Firm are dedicated to helping consumers and fighting for justice. 


  • Call 407.648.4940 or contact Coye Law Firm today for a free consultation about your case.

The expert injury attorneys at Coye Law Firm are experienced with Florida, New York, Michigan, and District of Columbia law and are here to help the injured.

If you'd like to learn more about injury law and your rights, read my book, Sharing the Secrets, Learning the Lies: A Guide to Florida Personal Injury

From this book you will learn… 

  1. The ONE THING you must do within 14 days of your accident (page 46)
  2. The two most important factors in determining case value (page 8)
  3. How to understand what your insurance will and will not cover (chapter 3)
  4. 6 critical steps you must take after an accident (chapter 7)
  5. Why you should not trust the insurance company’s repair shop (page 78)
  6. How to choose the right doctor (chapter 5)
  7. A claim you could make against your own insurance company if your car is damaged, but not totaled (page 87)
  8. The secrets to getting a fair settlement (chapter 10)
  9. An 8-step breakdown of the normal process for lawsuits (page 121)
  10. The one 4-letter word that might cost you (chapter 12)
  11. How to start gathering the most important evidence you need (page 75)
  12. …and more!

Click here to receive your FREE copy now.