6 auto insurance potholes

Intentional damage
2 of 8
Car collision

You may have witnessed road rage on the highway when intentional or accidental automotive slights set off "Mad Max"-like reactions and retaliation.

What those furious motorists may not realize is that blowing your top can void your auto insurance coverage should push come to not-so-gentle bumper nudge.

Auto policies typically exclude liability coverage for a driver who intentionally injures someone or causes damage to their vehicle or other property.

"It there is any intent, it's excluded," says Mitch Wilson of the Ohio Insurance Institute. "That's to prevent those instances where someone wants to take out a policy because they're tired of dealing with their neighbor."

McChristian agrees. "We don't want to incentivize any negative actions," she says. "You have to give the individual some responsibility."




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