Insurance does not exclude "oh crap moments," not saying this was the case here but we in the industry tend to say: Insurance does not exclude stupidity. Again not saying these people are stupid by any means.
As past discussion has shown and questions asked (and might not apply to this particular situation in this thread), there is where direct writers like the Progressive's and geico's try to cheapen the price of your policies by restricting coverage (where is wher they say they are saving you money. Whether it is a SUV 4x4 or sedan makes no difference, most regional carriers and carriers written through independent agents, this type of situation will not be excluded.
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Capt. of the "No Worries"
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