Insurance Coverage facts wanted:
Just to be clear outta the gate, I by no means want this to turn into a flame fest over truck type, add-ons, SRW vs DRW. There are enough of those on here over the years and zero good or agreement com...
Forum Discussion
There is no black & white, absolute answer to your question. Every country/state/province applies their laws differently. A good or bad lawyer can dramatically change the outcome of any legal proceeding. Emotionally charged juries have been known to make verdicts that go against the rule of law.
With that being said, I'd suggest reading the "exclusions" in your auto policy. Unless there's an exclusion for the general scenario you're concerned about, then odds are very high they'll provide coverage.
Some food for thought. If insurance companies refused to pay claims simply because someone was "negligent" (drunk, speeding, overloaded, etc.) what would be the purpose of having insurance in the first place? Common sense says the purpose of insurance is to financially protect us when we're negligent. Odds are very high that they'll do just that. However, there are no absolutes.
With that being said, I'd suggest reading the "exclusions" in your auto policy. Unless there's an exclusion for the general scenario you're concerned about, then odds are very high they'll provide coverage.
Some food for thought. If insurance companies refused to pay claims simply because someone was "negligent" (drunk, speeding, overloaded, etc.) what would be the purpose of having insurance in the first place? Common sense says the purpose of insurance is to financially protect us when we're negligent. Odds are very high that they'll do just that. However, there are no absolutes.
