Expected/intended exclusion refers to a provision in insurance policies that specifies certain events or conditions that are not covered. This encompasses situations where the insured person anticipated or intended the damage or injury, as well as harm caused by the use of a vehicle owned or operated by the insured. Additional exclusions may involve pollution, employee liability, and design defects. These exclusions serve to restrict the insurance company’s liability and safeguard them from having to make payments for specific types of claims.
Some insurance policies contain a provision that excludes coverage for property damage or bodily injury that is expected or intended by the insured, with the exception of harm resulting from the use of reasonable force to protect a person or property. For instance, if John intentionally sets fire to his own house to collect insurance money, his policy’s expected/intended exclusion means that the damages caused by the fire will not be covered by his insurance company. This example demonstrates how an expected/intended exclusion operates in an insurance policy, as John’s intentional actions and expectation of insurance money from the fire result in the damages not being covered.
An expected/intended exclusion is a clause in an insurance policy that excludes coverage for damages or injuries that were expected or intended by the insured. It means that if the insured intentionally caused harm or damage, the insurance policy will not provide coverage for those actions.
If your insurance policy contains an expected/intended exclusion, it means that any damages or injuries caused intentionally by you will not be covered by your insurance. Your claim will be denied, and you will be responsible for any resulting costs or liabilities.
In some cases, an expected/intended exclusion can be challenged if there is evidence to prove that the harm or damage caused was not intentional or expected. However, it can be a complex legal process, and the burden of proof lies with the insured to demonstrate that the exclusion should not apply.
While each insurance policy may have different terms and conditions, generally, there are no exceptions to the expected/intended exclusion. It is a standard provision in insurance contracts to prevent coverage for intentional acts.
An expected/intended exclusion cannot be waived unless specifically agreed upon by the insurance company. Insurance companies include this exclusion to protect themselves from providing coverage for intentional acts.
Yes, an expected/intended exclusion is a common provision in various types of insurance policies, including homeowners, auto, and liability insurance. It is designed to prevent coverage for intentional acts across different insurance lines.
If someone sues you for intentional harm or damage, your insurance company will likely deny coverage based on the expected/intended exclusion. You will need to seek legal representation and defend yourself in court, potentially facing personal liability for any damages awarded.
While insurance policies generally exclude coverage for intentional acts, you may be able to purchase additional coverage, such as umbrella insurance, that provides broader protection. However, it is essential to review the policy terms and exclusions carefully to understand the extent of coverage.
Insurance policies are typically standardized contracts, and the expected/intended exclusion is a standard provision. It is challenging to modify or negotiate this exclusion unless you have a unique situation that warrants special consideration from the insurance company.
If you have questions or concerns about the expected/intended exclusion in your insurance policy, it is best to consult with an experienced insurance attorney. They can review your policy, explain the implications, and provide guidance based on your specific circumstances.
This site contains general legal information but does not constitute professional legal advice for your particular situation. Persuing this glossary does not create an attorney-client or legal adviser relationship. If you have specific questions, please consult a qualified attorney licensed in your jurisdiction.
This glossary post was last updated: 17th April 2024.
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