How Does the Intra-family Exclusion Affect My Family?

It may be a term that you have never heard before, but California drivers should be aware of a certain exclusion that may be present on their policies, called the Intra-family exclusion.

In a nutshell, the Intra-family exclusion is where the insurance company will not pay for family member passenger's injuries if you are the one who causes the California car accident and harm people in your own car.

Most insurance companies with the intra-family exclusion argue that they shouldn't have to pay for the injuries, citing the purpose of medpay and health insurance.

However, one argument that can be made is that the children and spouse in the car have no control over the driver's actions, even if it is a trusted family member.

There is no reason a driver's children can't get their medical bills paid in excess of the medpay simply because the parent made a mistake. Most people buy "full coverage" thinking that they are getting "full" coverage - until something bad happens and they discover otherwise.

While the lawyers at Steinberg Injury Lawyers do not endorse one insurance company over another, we do know that companies who DO NOT have the Intra-family exclusion include Nationwide, State Farm, Travelers, and Grange.

Companies who DO have the exclusion include Progressive, Allstate, American Family, Geico, AIG, and Liberty Mututal.

It is worth talking with your insurance adjustor to make sure that your policy fits your needs and to ensure that you and your family will be covered in the event of a tragic accident.

If you or a loved one has been injured in a Riverside, California car accident order your free copy of Steinberg Injury Lawyers's book, the Seven Biggest Mistakes That Can Ruin Your California Injury Case by calling 1-800-989-6385. Or fill out our online form to set up a complimentary case evaluation.

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