What Is an Exclusion in Personal Injury Law?
An exclusion is a clause in an insurance policy that specifies certain situations, events, or damages that the policy does not cover. In personal injury cases, exclusions can limit the compensation victims receive from an insurance claim, often leading to disputes.
Common Exclusions in Insurance Policies
- Intentional Acts: Injuries caused by deliberate actions of the insured.
- High-Risk Activities: Incidents occurring during activities like skydiving or extreme sports.
- Non-Covered Parties: Claims involving individuals not listed on the policy.
Impacts on Personal Injury Claims
- Disputed Claims: Insurers may deny coverage based on exclusions, requiring legal intervention.
- Limited Recovery Options: Plaintiffs may need to seek compensation directly from defendants if exclusions apply.
- Importance of Policy Review: Understanding the policy’s terms helps avoid unexpected coverage gaps.
Attorneys play a crucial role in challenging improper denials and ensuring victims receive the compensation they deserve.
