Intrafamily Exclusion may be a new phrase to you but many families across the country are finding out the hard way exactly what these words mean. Intrafamily exclusion means an auto accident that is your fault can leave you with limited coverage in auto accidents where the other motorist is uninsured or under insured and will not fully cover your families medical expenses.
Coverage that was once provided under uninsured/under insured motorist, coverage that provided literally hundreds of thousands of dollars in medically related expenses are now being denied based on intrafamily exclusion. The covered expenses are frequently capped now to dollar amounts in the mid four figures, leaving the uninformed motorist financially responsible for possibly millions of dollars in non-covered medical expenses after an accident.
Many insurance companies are no longer providing liability coverage for bodily injury to you or your family members under this intrafamily exclusion clause if the accident was your fault and the other driver had no insurance.
This one exemption in your full coverage auto insurance can leave you and your family open to devastating financial liabilities after an auto accident. The courts are currently backing the insurance companies in this issue saying the problem is a "contractual issue". Currently, insurance companies do not offer policies to cover intrafamily exclusion.
Communicating with your insurance agent is one way to insure you do not get caught up in this new threat to your families financial future. Before you take out any new policy for full coverage auto insurance, ask the agent if their company has the intrafamily exclusion exemption in their policies.
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