Reader’s Question:

I was driving in California on a restricted driver’s license due to a prior DUI. I was driving outside my restrictions. I crashed my car due to a road hazard. Given that my insurance policy is current, will my insurance pay for damages even though I was not driving to/from work as mandates by my restricted license provisions?

Dana

Los Angeles, CA

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

Of course, there are 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…

If you look closely here, based on the typical exclusions listed, it seems like you will have coverage afforded unless there are other exclusions listed on your policy.