Dog Folks wrote:
CarnationSailor wrote:
I never have understood the statements on the forums where posters say an insurance company can deny a claim if you do something illegal. If I speed or run thru a stop light (which is illegal) resulting in an accident, is my insurance company going to deny the claim? I don't think so.
I agree with a previous post that says that is why we have insurance.
You folks might want to check your policy. This is directly from mine (A major company,) listed when coverage is denied:
Exclusions
These coverages do not apply to liability for:
Bodily injury or property damage caused by the: intentional
acts; criminal acts, other than traffic violations; or
omissions; of an insured person, or done at the direction of
an insured person, which are designed to produce loss or
damage.
If too much propane in a tunnel is "criminal" is up to prosecutors office as to what charges are filed.
The key condition here for exclusion of coverage is "which are designed to produce loss or damage." This means (I think) if it was my "design" (intent) to cause damage by carrying too much propane, then yes, the coverage would be excluded. However, if there was no intent to cause damage, then the insurance company couldn't exclude coverage.
