The Motor Vehicle Exclusion Does Not Always Prevent Coverage When There is Coverage for the Accident under the Homeowners Policy

Even though you have insurance coverage under your homeowners policy for bodily injuries on your property there is exclusion for accidents caused by a vehicle. There still may be coverage for your injuries, your children’s injuries.

You may have a cause of action for negligent supervision as a result of the homeowner not supervising your child that leads to the child being injured by a vehicle on the premises. Even the homeowners policy excludes injuries caused by an automobile, there still may be coverage under their homeowner’s policy.

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