What Is Not Covered In Commercial Vehicle Insurance?

Commercial vehicle insurance is designed to protect business owners and their employees in the event of accidents or damages involving commercial vehicles. While commercial vehicle insurance policies can vary depending on the provider and the specific coverage options selected, there are certain types of damages or events that are typically not covered by commercial vehicle insurance policies.

One of the most common types of damages that may not be covered by commercial vehicle insurance is intentional or criminal acts. Suppose an employee intentionally causes an accident or damages property using a commercial vehicle. In that case, the damages may not be covered under the policy. Similarly, suppose a vehicle is used in the commission of a crime. In that case, the damages or losses resulting from that criminal activity may not be covered by the policy.

Another type of damage that may not be covered by commercial vehicle insurance is wear and tear or maintenance-related issues. Commercial vehicles that are not properly maintained may experience breakdowns or malfunctions that result in accidents or other types of damage. While some commercial vehicle insurance policies may provide limited coverage for these types of issues, most policies will not cover damage resulting from poor maintenance or general wear and tear.

Certain types of cargo or equipment may also be excluded from coverage under commercial vehicle insurance policies. For example, hazardous materials or certain types of high-value equipment may require specialized coverage or additional insurance riders in order to be fully covered under a commercial vehicle insurance policy.

Finally, it's important to note that commercial vehicle insurance policies may not cover damages or losses resulting from certain types of activities or uses of a commercial vehicle. For example, suppose a commercial vehicle is used for racing or other types of high-risk activities. In that case, the damages resulting from those activities may not be covered by the policy.

Overall, it's important to carefully review the coverage options and exclusions included in a commercial vehicle insurance policy before selecting a policy or making a claim. If you have questions or concerns about your coverage or are unsure whether a particular type of damage is covered, it's always best to consult with your insurance provider or a licensed insurance professional.