Auto insurance Claim Naperville Illinois IL
Reader’s Question:
Is it legal for a car insurance company to deny claim if the driver doesn’t wear seat belts? For Example, I let a friend drive my car and he gets into an accident. Can my car insurance company in Naperville, Illinois say that the insurance coverage did not count because my friend didn’t have seat belts on?
Carl
Naperville, IL
There are many insurance companies in Naperville Illinois that now have a clause in the policy stating if you have no seatbelt on they are not liable. They may not cover your injuries because you didn’t wear seatbelts. It’s disappointing but they have the right to do it so be sure to ask ahead of time to know if your car is covered.
I don’t know of any state that would allow insurance companies to deny coverage for this reason and it’s against public policy in the first place. Look at it this way, coverage is not denied if a person is speeding, coverage is not denied if you run a red light, etc.
It is not illegal as long as they had a clause in the written contract that additional drivers would only be covered if they followed all applicable law, but it’s very unlikely that would be in your contract.
Tags: auto insurance
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