Exclusions are clauses in your contract that limit the insurance company’s liability to pay for specific claims. For example, your insurance company may not pay on a claim if the following situations apply:

• You intentionally cause damage or injury.
• You drive the vehicle without permission.
• Your vehicle has fewer than four wheels.
• You drive someone else’s vehicle on a regular basis.
• Your automobile is not listed on your policy.
• You are carrying passengers for a fee.
• You are driving in a race or speed contest.

You should be aware of and avoid any circumstance in which exclusions to your insurance would apply.