Fine print decoder
Use the exclusion checklist in our policy pillar guide to track page numbers and required endorsements.
Every auto policy has an exclusions section. If a claim falls into one of those scenarios, the insurer can legally deny payment even when you have proof of loss. Here are the most common exclusions and the strategies to close each gap.
1. Business and rideshare use
Personal policies exclude delivery, rideshare, and other commercial driving unless you buy an endorsement.
- Add a rideshare endorsement if you drive for Uber, Lyft, DoorDash, or Instacart.
- Purchase a commercial auto policy if you regularly haul tools, inventory, or clients.
2. Intentional or criminal acts
Damage caused while committing a crime, racing, or intentionally harming property is excluded. There is no endorsement for intentional acts-practice safe driving.
3. Wear, tear, and mechanical breakdown
Insurance covers sudden, accidental damage-not worn brakes or failed transmissions. Consider:
- Manufacturer warranties or extended service plans for mechanical failures.
- Routine maintenance schedules to prevent breakdown-related accidents.
4. Custom equipment limits
Most policies cap coverage for custom rims, paint, audio systems, wheelchair lifts, or camping conversions at $1,000-$2,500.
Add a custom equipment endorsement with limits equal to the replacement cost of your upgrades.
Action step: read the exclusions section line by line, list every scenario that applies to your lifestyle, and ask your agent which endorsement or separate policy fills each gap.