Will your family be protected if you cause an Ohio car accident? | Findlay, Ohio car accident injury lawyers

Would your family be covered if you caused an Ohio car accident or the accidental Ohio wrongful death of a family member? Does your policy include an Intra-family exclusion?

The Intra-family exclusion is a clause stating the insurance company won't pay for a family member's death if you cause the accident, if they are a blood relative and member of your household.

Most insurance companies with the intra-family exclusion argue that they won't pay because health insurance and medpay should cover those costs.

Kids and spouses in the car have no control over the driver's actions, even if it is a trusted family member. There is no reason a person's kids can't get their medical bills paid in excess of the medpay just because the parent made a mistake. Most people buy "full coverage" thinking that they are getting "full" coverage, until something bad happens and the costs aren't covered.

Companies who DO NOT have the exclusion (good companies), based on surveys performed by Charles E. Boyk Law Offices, LLC: Nationwide, State Farm, Travelers, Grange.

Companies who DO have the exclusion (bad): Progressive, Allstate, American Family, Geico, AIG, and now Liberty Mutual.

If you or someone you know has been injured in an Ohio car accident, you need information. Read The Ohio Accident Book, written by our Toledo, Ohio car accident injury lawyers.