Do you know of auto-insurance policies that exclude liability coverage on evidence that the driver was distracted or even texting? That would seem to me to be contrary to public policy.
Not that im aware of, but i am in the business use side- not personal lines - so im not sure in that regard.
I dont think it has reached a point where companies have taken on a "higher volume" of claims arising out of "distracted driving" that would prompt them to add this exclusion. But i havent read discount insurers policies ( like a GoAuto or The General ) so not sure.
And even if they do have, if not spelled out, ambiguity in a policy NEVER favors a carrier in Louisiana lol.