Insurance coverage is, to a large extent, unknown to users. Reading the fine print of the contracts signed is important to know what is being hired, because sometimes, the cheap can be expensive. Of course, there are several situations that, with some exceptions, are always excluded from insurance coverage, regardless of the company with which they are hired. Here I bring you some of those situations that are not covered by insurance in case of traffic accident. The information has been collected by reclamador.es, the online legal services company.
- Traffic accident against a relative
This is one of the circumstances of insurers is more reluctant to repair the damage of an accident and pay the corresponding compensation, explains reclamador.es. Thus, some insurance companies exclude coverage of vehicle accidents by direct family members in their policies. According to insurers, what they do to avoid fraud.
The normal thing, says the online legal services company, is that the policies include this kinship limit in the third degree of consanguinity. That is, they are in accidents with parents, children, grandparents, nephews and uncles.
- Children under 25 years of age not included in the policy
Automobile insurance policies will be entrusted to those under 25 with the newly obtained card, therefore, many families opt for the option of taking the car without being in the policy, to avoid this high cost. But this can be counterproductive if the young person has an accident and is not included, because it is one of the exclusions of the car insurance companies.
On the other hand, if the child is over 25 years old and has more than two years of membership, insurance, as a general rule, does take care of the expenses of the accident.
- Accident on unfit roads
You have to read well the policy contracted for the safety rules that cover the damages of a loss produced in a road not suitable for circulation. Typically, it is excluded from insurance, which means, among other things, not receiving roadside assistance. But there are exceptions, for example, there are special policies for vehicles that do cover assistance on dirt roads or rural roads.
- Traffic accident under the influence of alcohol
The policies usually exclude coverage of damages if there is an accident with a positive blood alcohol level. In this sense, in addition to the economic cost involved, the culprit would face a crime against road safety.
- Non-approved tuning is also excluded from the policies
If you do not communicate the changes that are made in the vehicle, for example, the increase in the size of the wheels, the objects that are added, in case of loss, says reclamador.es, insurance will not compensate in case of accident. Yes, there will be a charge to cover the damages to the third parties involved in the accident, but no damages will be paid for the damages suffered in these parts, to tune in or declare homologated.
- Exceed the legal number of occupants of the vehicle
If it is demonstrated that there were more occupants of the legally permitted in the vehicle, in case of suffering a traffic accident, the insurance will not be responsible for the payment of the damages. The maximum number of occupants can be found on the vehicle's technical inspection card.
In addition to assuming the costs derived from the traffic accident, the driver faces a fine and the loss of points of the card.