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      05-08-2011, 11:03 AM   #1
mrkbbd
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Insurance Coverage Question

Someone recently told me that your insurance, regardless if it is full-insurance or not, does not cover you in the following situations...
  1. You are deemed to have been driving recklessly and have an accident (they said your car isn't covered but the other one / property damage may be)
  2. You have an accident while legally intoxicated
  3. Your car is stolen but you either left the keys in the car or give the keys to the perpetrator (I assume under duress)

Are any of these true?
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      05-08-2011, 11:29 AM   #2
kscarrol
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Quote:
Originally Posted by mrkbbd View Post
3. Your car is stolen but you either left the keys in the car or give the keys to the perpetrator (I assume under duress)

Are any of these true?
Can't confirm this but I would find it hard to believe that if under duress (as in a robbery) you were forced to hand over the keys, that the insurance company wouldn't honor the policy...

But then having been through the joys of Katrina, I would believe just about anything about insurance companies! They will screw you every chance they get...
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      05-18-2011, 02:04 AM   #3
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I find it hard to believe that all of these ‘rules’ are standard. I have a feeling that it depends on the auto insurance company. Check with your insurance provider.

Last edited by adanguy; 09-12-2013 at 06:15 AM.
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      05-18-2011, 02:06 AM   #4
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Quote:
Originally Posted by adanguy View Post
I find it hard to believe that all of these ‘rules’ are standard. I have a feeling that it depends on the auto insurance company. Check with your insurance provider.
Close. It depends on the Policy itself and not so much the carrier. Ask for a copy of your policy. Read it from cover to cover. If there is a question, call a coverage lawyer and get an opinion letter.
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