What Is Not Covered By Auto Insurance? 
Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you . That being said . Below are some of the possible exclusions : A . We do not provide Liability Coverage for any `` insured '' : 1 . Who intentionally causes `` bodily injury '' or `` property damage '' . 2 . For `` property damage '' to property owned or being transported by that `` insured '' . 3 . For `` property damage '' to property : a. Rented to ; b. Used by ; or c . In the care of ; that `` insured '' . This Exclusion -LRB- A. 3 . -RRB- does not apply to `` property damage '' to a residence or private garage . 4 . For `` bodily injury '' to an employee of that `` insured '' during the course of employment . This Exclusion -LRB- A. 4 . -RRB- does not apply to `` bodily injury '' to a domestic employee unless workers compensation benefits are required or available for that domestic employee . 5 . For that `` insureds '' liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance . This Exclusion -LRB- A. 5 . -RRB- does not apply to a sharethe - expense car pool . 6 . While employed or otherwise engaged in the `` business '' of : a. Selling ; b. Repairing ; c. Servicing ; d. Storing ; or e. Parking ; vehicles designed for use mainly on public highways . This includes road testing and delivery . This Exclusion -LRB- A. 6 . -RRB- does not apply to the ownership , maintenance or use of `` your covered auto '' by : a. You ; b. Any `` family member '' ; or c. Any partner , agent or employee of you or any `` family member '' . 7 . Maintaining or using any vehicle while that `` insured '' is employed or otherwise engaged in any `` business '' -LRB- other than farming or ranching -RRB- not described in Exclusion A. 6 . This Exclusion -LRB- A. 7 . -RRB- does not apply to the maintenance or use of a : a. Private passenger auto ; b. Pickup or van ; or c. `` Trailer '' used with a vehicle described in a. or b. above . 8 . Using a vehicle without a reasonable belief that that `` insured '' is entitled to do so . This Exclusion -LRB- A. 8 . -RRB- does not apply to a `` family member '' using `` your covered auto '' which is owned by you . 9 . For `` bodily injury '' or `` property damage '' for which that `` insured '' : a. Is an insured under a nuclear energy liability policy ; or b. Would be an insured under a nuclear energy liability policy but for its termination upon exhaustion of its limit of liability . A nuclear energy liability policy is a policy issued by any of the following or their successors : a. Nuclear Energy Liability Insurance Association ; b. Mutual Atomic Energy Liability Underwriters ; or c. Nuclear Insurance Association of Canada . B . We do not provide Liability Coverage for the ownership , maintenance or use of : 1 . Any vehicle which : a. Has fewer than four wheels ; or b. Is designed mainly for use off public roads . This Exclusion -LRB- B. 1 . -RRB- does not apply : a . While such vehicle is being used by an `` insured '' in a medical emergency ; b. To any `` trailer '' ; or c. To any non-owned golf cart . 2 . Any vehicle , other than `` your covered auto '' , which is : a. Owned by you ; or b. Furnished or available for your regular use . 3 . Any vehicle , other than `` your covered auto '' , which is : a. Owned by any `` family member '' ; or b. Furnished or available for the regular use of any `` family member '' . Page 4 of 13 ISO Properties , Inc. , 2003 PP 00 01 01 05 However , this Exclusion -LRB- B. 3 . -RRB- does not apply to you while you are maintaining or `` occupying '' any vehicle which is : a. Owned by a `` family member '' ; or b. Furnished or available for the regular use of a `` family member '' . 4 . Any vehicle , located inside a facility designed for racing , for the purpose of : a. Competing in ; or b. Practicing or preparing for ; any prearranged or organized racing or speed contest . 