Will my Car Insurance Pay for Damages if I’m Driving Outside my Restriction?
Reader’s Question:
I was driving in Green Bay Wisconsin WI on a restricted driver’s license by DUI. I was driving outside my restrictions. I crashed my car due to a road hazard so will my insurance pay for damages even though I was not driving to/from work as mandates by my restricted license provisions?
Sarrah
Green Bay, WI
The insurance company’s provisions and/or exclusions will determine if this is covered under your policy. Exclusions on a Personal Auto Policy can be different for every carries and state, so you better review your policy:
Some typical exclusion follows:
-committing a high misdemeanor or felony, or seeking to avoid lawful apprehension or arrest by a police officer; or
-acting with specific intent to cause injury or damage to himself or others;
-operating or “occupying” an “auto” without the permission of the owner of the “auto” or name insured under the policy insuring that “auto”.
-War (declared or undeclared);
-Civil war;
-Insurrection;
-Rebellion or revolution;
-Any act or condition incident to any of the above resulting from radioactive, toxic, explosive, or other hazardous properties of nuclear material.
-and other specified on each policy…
Based on the typical exclusions listed, it seems like you will have coverage afforded unless there are other exclusions listed on your policy.
How Much SR22 Insurance Do I Need?
Q: How much Wisconsin SR22 insurance do I need to have?
A: Wisconsin is one of he few states which does not actually require its drivers to have car insurance, so those who are in the few categories which indeed do have to buy insurance are more unfamiliar with it than those in other states. If you live in Wisconsin and have to be insured, it’s probably because you’re either under 18 or you need a Wisconsin SR22 because your license was suspended.
The minimum car insurance coverage required for someone who needs a Wisconsin SR22 policy is pretty low. You need, a least, to have ten thousand dollars in coverage to take care of property damage, as well as twenty five thousand for bodily injury, and fifty thousand in case of a death. If you are required to have Wisconsin SR22 insurance, then you will need to carry proof of insurance, in the form of an insurance card, on you at all times in case you get pulled over by a police officer.
Loading ...