Principles of Risk Management and Insurance, 13th Edition

Section II Exclusions

The Section II coverages contain numerous exclusions. Some exclusions apply to both personal liability (Coverage E) and medical payments to others (Coverage F). Other exclusions apply separately to Coverage E and to Coverage F.

Exclusions that Apply to Both Coverage E and Coverage F

The following section discusses several exclusions that apply to both Coverage E and Coverage F.

Motor Vehicle Liability

Legal liability arising out of motor vehicles is not covered if the involved vehicle is:

• Registered for use on public roads or property

• Not registered for use on public roads or property but such registration is required by law or government regulation

• Used in an organized race or speed contest

• Rented to others

• Used to carry ...