Agent, Rural Mutual Insurance Co., Union Grove, WI
Remember every policy is different. Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you. That being said. Below are some of the possible exclusions:
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A. We do not provide Liability Coverage for any "insured":
1. Who intentionally causes "bodily injury" or
"property damage".
2. For "property damage" to property owned or
being transported by that "insured".
3. For "property damage" to property:
a. Rented to;
b. Used by; or
c. In the care of;
that "insured".
This Exclusion (A.3.) does not apply to "property
damage" to a residence or private garage.
4. For "bodily injury" to an employee of that "insured"
during the course of employment. This
Exclusion (A.4.) does not apply to "bodily injury"
to a domestic employee unless workers’ compensation
benefits are required or available for
that domestic employee.
5. For that "insured’s" liability arising out of the
ownership or operation of a vehicle while it is
being used as a public or livery conveyance.
This Exclusion (A.5.) does not apply to a sharethe-
expense car pool.
6. While employed or otherwise engaged in the
"business" of:
a. Selling;
b. Repairing;
c. Servicing;
d. Storing; or
e. Parking;
vehicles designed for use mainly on public
highways. This includes road testing and delivery.
This Exclusion (A.6.) does not apply to the
ownership, maintenance or use of "your covered
auto" by:
a. You;
b. Any "family member"; or
c. Any partner, agent or employee of you or
any "family member".
7. Maintaining or using any vehicle while that
"insured" is employed or otherwise engaged in
any "business" (other than farming or ranching)
not described in Exclusion A.6.
This Exclusion (A.7.) does not apply to the
maintenance or use of a:
a. Private passenger auto;
b. Pickup or van; or
c. "Trailer" used with a vehicle described in a.
or b. above.
8. Using a vehicle without a reasonable belief that
that "insured" is entitled to do so. This Exclusion
(A.8.) does not apply to a "family member"
using "your covered auto" which is owned by
you.
9. For "bodily injury" or "property damage" for
which that "insured":
a. Is an insured under a nuclear energy liability
policy; or
b. Would be an insured under a nuclear energy
liability policy but for its termination
upon exhaustion of its limit of liability.
A nuclear energy liability policy is a policy issued
by any of the following or their successors:
a. Nuclear Energy Liability Insurance Association;
b. Mutual Atomic Energy Liability Underwriters;
or
c. Nuclear Insurance Association of Canada.
B. We do not provide Liability Coverage for the ownership,
maintenance or use of:
1. Any vehicle which:
a. Has fewer than four wheels; or
b. Is designed mainly for use off public roads.
This Exclusion (B.1.) does not apply:
a. While such vehicle is being used by an
"insured" in a medical emergency;
b. To any "trailer"; or
c. To any non-owned golf cart.
2. Any vehicle, other than "your covered auto",
which is:
a. Owned by you; or
b. Furnished or available for your regular use.
3. Any vehicle, other than "your covered auto",
which is:
a. Owned by any "family member"; or
b. Furnished or available for the regular use of
any "family member".
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However, this Exclusion (B.3.) does not apply
to you while you are maintaining or "occupying"
any vehicle which is:
a. Owned by a "family member"; or
b. Furnished or available for the regular use of
a "family member".
4. Any vehicle, located inside a facility designed
for racing, for the purpose of:
a. Competing in; or
b. Practicing or preparing for;
any prearranged or organized racing or speed
contest.