Driving with a dog in your lap

efil4stnias said

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, ambiguity in a policy NEVER favors a carrier in Louisiana lol.

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Indeed. My first case out of law school - they handed this loser of a case that came down to UM coverage, it was a plaintiffs case which was rare for this firm but it was a family friend who had been substantially injured in a car crash. I found a small but interesting inconsistency and drafted a motion. The partners were like "Hey he's actually on to something here." Won on the coverage exclusion and about two years later, a substantial settlement came.

But my point on the distracted driver issue is that every state has a policy in favor of liability insurance - it is required for good policy reasons. If carriers could drop in distracted driving exclusions, that system would start to fall apart. They can raise rates on the insureds are who are cited for or otherwise evidence distracted driving but I think that excluding coverage (that benefits the injured third-party, not the distracted driver) would be a problem.