Intentional damage is usually excluded from insurance policies ^87%

The Fine Print: Why Intentional Damage is Often Left Out of Insurance Policies

Have you ever wondered what happens when you intentionally cause damage to your property or someone else's? You might be surprised to learn that many insurance policies exclude intentional damage from coverage. In this article, we'll delve into the world of insurance exclusions and explore why intentional damage is often left out in the cold.

What Counts as Intentional Damage?

Intentional damage refers to any act or behavior where you deliberately cause harm to your property or someone else's. This can include a wide range of scenarios, such as:

• Setting fire to your home
• Vandalizing public property
• Damaging your own vehicle on purpose
• Causing physical harm to others

The Exclusion Clause

Most insurance policies contain an exclusion clause that specifically states what is not covered by the policy. In many cases, this includes intentional damage caused by you or someone else with your consent. This means that if you intentionally cause damage to your property or someone else's, you may not be able to make a claim on your insurance policy.

Consequences of Intentional Damage

If you intentionally cause damage to your property or someone else's, you could face serious consequences. These can include:

• Denial of insurance claims
• Increased premiums
• Loss of coverage altogether
• Civil lawsuits and financial penalties

What Can You Do?

While intentional damage may not be covered by your insurance policy, there are still steps you can take to protect yourself and others. Here are a few tips:

• Read your policy carefully: Make sure you understand what is included and excluded from your policy.
• Take responsibility for your actions: If you cause accidental damage, report it to your insurance company immediately.
• Practice prevention: Take steps to prevent accidents or intentional damage from occurring in the first place.

Conclusion

Intentional damage is a serious issue that can have far-reaching consequences. By understanding what counts as intentional damage and how it affects your insurance policy, you can take steps to protect yourself and others. Remember, it's always better to err on the side of caution when it comes to insurance policies – read the fine print and take responsibility for your actions.