Another indirect limit, of course, is created by the types of coverage you choose to include or
exclude on your auto policy.
Not exact matches
Finally, many carriers will specifically
exclude coverage for
auto racing, driving a vehicle without permission, business use, being an Uber or taxi driver, or regular use of a vehicle by a driver not underwritten
on the
policy.
The Texas Department of Insurance (TDI) posts a warning
on its
auto insurance page indicating that some personal
auto policies exclude commercial use.
Those living in your household who will never drive your vehicles can generally be
excluded from your insurance
policy to save
on auto insurance premiums.
Such times do fall under the category of occurring only
on rare occasions, but there are indeed instances that it makes sense to
exclude a family member from your
auto policy.
Named driver exclusion: Endorsement
on your
auto policy that
excludes a particular driver who has access to your car from coverage.
Autos are
excluded from being considered personal property, sometimes with an exception made for coverage for an
auto used solely to service a personal residence and not registered or driven
on the road, though you should refer to your specific
policy language for that.
The Texas Department of Insurance (TDI) posts a warning
on its
auto insurance page indicating that some personal
auto policies exclude commercial use.
The Texas Department of Insurance warns state residents that some Texas
auto insurers
exclude business use
on personal
policies.