Frequently Excluded Situations
- Injuries from illegal activity
- Injuries sustained while under the influence of drugs or alcohol
- Self-inflicted injuries
- Injuries from certain high-risk recreational activities, depending on the policy
- Pre-existing injuries that occurred before the policy's effective date
Why Reading the Exclusions Matters
Two accident policies that look similar on the surface can have very different exclusion lists — this is often the biggest differentiator between carriers.
Key Takeaways
- Exclusions vary meaningfully between accident insurance carriers.
- High-risk recreational activities may require a rider or may be excluded entirely.
- Always read the full exclusion list, not just the marketing summary.
Exclusion lists vary by carrier and state. This is general education, not a complete list for any specific policy.
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