Careful: Slugs not covered under your insurance

Correction: GEICO, at least, has changed (the stranger exclusion is no longer there - i.e.e "slug" would be covered now)

I just requested the current policy. Here is how it reads:

B. "Covered person" as used in this Part means: a. private passenger auto;
b. pickup or van that you own; or
1. You or any family member: c. trailer used with a vehicle described in (8.a. or
a. while occupying; or 8.b.) above.
b. when struck by; 9. Caused by or as a consequence of:
a motor vehicle designed for use mainly on public a. discharge of a nuclear weapon (even if accidenroads
or a trailer of any type. tal);
2. Any other person while occupying your covered b. war (declared or undeclared);
auto. c. civil war;
d. insurrection; or
EXCLUSIONS e. rebellion or revolution.
We do not provide Medical Payments Coverage for any 10. From or as a consequence of the following whether
person for bodily injury: controlled or uncontrolled or however caused:
1. Sustained while occupying any motorized vehicle a. nuclear reaction;
having less than four wheels. b. radiation; or
c. radioactive contamination.
2. Sustained while occupying your covered auto when
it is: LIMIT OF LIABILITY
a. being used to carry persons for a fee; this does A. The limit of liability shown in the Declarations for
not apply to a share-the-expense car pool; or this coverage is our maximum limit of liability for
b. being used to carry property for a fee; this does each person injured in any one accident. This is the
not apply to you or any family member unless most we will pay regardless of the number of:
the primary usage of the vehicle is to carry 1. covered persons;
property for a fee; or 2. Claims made;
c. rented or leased to another; this does not apply 3. Vehicles or premiums shown in the Declarations;
if you or any family member lends your cov- or
ered auto to another for reimbursement of op- 4. Vehicles involved in the accident.
erating expenses only.
B. Any amounts otherwise payable for expenses under
3. Sustained while occupying any vehicle located for this coverage shall be reduced by any amounts paid
use as a residence or premises. or payable for the same expense under any Auto Li4.
Occurring during the course of employment if work- ability or Uninsured/Underinsured Motorists Coverers'
compensation benefits are required or available age provided by this policy.
for the bodily injury. C. No payment will be made unless the injured person
5. Sustained while occupying or, when struck by, any or that person's legal representative agrees in writing
vehicle (other than your covered auto) which is: that any payment shall be applied toward any settlement
or judgment that person receives under any
a. owned by you; or Auto Liability or Uninsured/Underinsured Motorists
b. furnished or available for your regular use. Coverage provided by this policy.
6. Sustained while occupying or when struck by, any OTHER INSURANCE
vehicle (other than your covered auto) which is:
If there is other applicable auto medical payments insura.
owned by any family member; or ance we will pay only our share of the loss. Our share is
b. furnished or available for the regular use of any the proportion that our limit of liability bears to the total
family member . of all applicable limits. However, any insurance we proHowever
this exclusion (6.) does not apply to you. vide with respect to a vehicle you do not own shall be
excess over any other collectible auto insurance provid-
7. Sustained while occupying a vehicle without a rea- ing payments for medical or funeral expenses.
sonable belief that that person is entitled to do so.
This exclusion (7.) does not apply to you or any fam- ASSIGNMENT OF BENEFITS
ily member while using your covered auto. Payments for medical expenses will be paid directly to a
8. Sustained while occupying a vehicle when it is being physician or other health care provider if we receive a
used in the business or occupation of a covered per- written assignment signed by the covered person to
son. This exclusion (8.) does not apply to bodily in- whom such benefits are payable.

Undisclosed, did your co-worker ever wake up in a bathtub with a missing kidney? =-O

So if you take the neighbors kids to school, or to the show, or a game, and have an accident, your insurance will not pay because they are passangers for hire (parents transport other's children in hopes when their children need a ride another parent will step up to the plate). My insurance company and a lawyer here at work (PI layer) said they insurance company is either totaly wrong (and the lawyer would love to sue them, go figure), or the letter is either non-existant or BOGAS. My bet is BOGAS.

RLD - I'm sincere. I DO hold you in high regard. I'd say to undisclosed that sending you the insurance information is the best and quickest way to help legitimatize his/her assertations to others on the board.

Farmer's says it's not a problem. They're covered.