What You Should Know About Typical Exclusions From Your Florida Car Accident Insurance Policy: Part I

Different policies may have different terms or exclusions.  Most exclusions include: vehicle being used in a business; vehicle being used to carry person for a charge; party filing claim is an employee of the insured; person injured and filing claim is either the injured or a member of the insured's family; or the property was under the control of the insured or rented to or transported by the insured.

If a vehicle is being used by employees of a repair shop and the employee is involved in a Palm Beach County car accident causing injuries, the owner of the shop will not be liable to the injured party.  If you give your car to the valet at a restauarant and they get into an accident, you will probably not be liable. 

Automobile business coverage will normally not apply to people in the class of named insured and agents of these people. Automobile business usually includes sales, leasing, repair, servicing, and parking operations.  The automobile business exclusion is sually applied when a vehicle is left at a garage for repairs and the employee or someone helping the employee is injured.  This is known as the "shop rule."  However, if aperson authorizes another to transport their car for service, Florida courts have found the owner remains liable until it reaches the shop.