In An Accident? Better Hope its Not the result of intentional conduct or there may be no insurance coverage.

You were in an auto accident and were injured, sought medical care and have gotten back to your robust pre-crash health. What could go wrong? While the answer is all manner of things, the specific complication addressed here is a determination that the at-fault party acted intentionally.

So why is that an issue? Because insurance policies routinely exclude coverage for intentional acts. In other words when your ex runs over your foot that injury may not be covered by liability insurance. Uh oh.

Exclusions in policies are a tangled web of problems and of course if you are the victim, they are not of your making. Virtually every Maryland auto accident policy has an exclusion for intentional acts. Okay you are an avid reader of this website and you know that when the at-fault driver doesn't have insurance you can fall back on your policies' uninsured motorist coverage.

Does that work here? The answer is yes but some carriers fight this and policy language is the battlefield. So when you do an initial injury report be careful how you describe the actions of the at-fault party or you might find yourself in a legal snafu.

Robert V. Clark
Maryland Car Accident and Personal Injury Lawyer
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