sharminlaw

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

The employee exclusion applies when the person making the claim is an employee of the insured except there is an exception for certain domestic employees.  Basicall,y if you have auto insurance and your employee gets into a Lake Worth car accident in your car, there may be coverage exclusion.  One way to get the insurance company to pay, is to prove the person alleged to be an employee is not an employee but an independent contractor.  If you can prover that, there may be coverage.

The household exclusion is the most highly litigated.  This exclusion denies coverage when the injured is a member of the the insured's family or the insured.  For example, a daughter was injured when a family friend negligently drove the insured vehicle with the insured's permission.  The daughter was denied coverage.  When dealing with the household exclusion after a Palm Beach County car accident, look closely at how long the claimant has lived at the insured's house.  Look at factors such as mailing address, sleeping place, meals, laundry, etc. as these may be relevant.  Your best bet is to consult with a Palm Beach County accident attorney with experience in auto insurance covearge exclusions and auto insurance litigation.