Reader’s Question:

I currently have restricted driver’s license in Alabama due to a prior DUI but at one point in Birmingham. I was driving outside my restrictions. I crashed my car due to a road hazard and given that my insurance policy is current, I am still anxious that my insurance will not pay for damages even though I was not driving to or from work which is what’s mandated by my restricted license provisions.

Michael

Birmingham, AL

The insurance company’s provisions and/or exclusions will determine if this is covered under your policy. Exclusions on a Personal Auto Policy can be different for every carries and state, so you better review your policy:

Some typical exclusion follows:
-committing a high misdemeanor or felony, or seeking to avoid lawful apprehension or arrest by a police officer; or
-acting with specific intent to cause injury or damage to himself or others;
-operating or “occupying” an “auto” without the permission of the owner of the “auto” or name insured under the policy insuring that “auto”.
-War (declared or undeclared);
-Civil war;
-Insurrection;
-Rebellion or revolution;
-Any act or condition incident to any of the above resulting from radioactive, toxic, explosive, or other hazardous properties of nuclear material.
-and other specified on each policy…

Based on the typical exclusions listed, it seems like you will have coverage afforded unless there are other exclusions listed on your policy.

Tags: sr22, SR22 filing