Liability Limitations On Insurers

Exceptions to coverage. There is no obligation for an insurance company to pay a claim if:

1. the loss is not covered by a policy, or a particular person is not included in the definition of the insured.
2. the loss takes place outside the territorial coverage of the policy. For example, there is no coverage under the PERSONAL AUTOMOBILE POLICY (PAP) outside the United States and Canada.
3. the loss takes place after the policy has expired.
4. the insured involved in the loss was in violation of public law; for example, an insured's car that is damaged as the result of his transporting drugs.
5. the insured is in violation of contract law.
6. the limit of coverage under the policy is not sufficient to cover a loss.