Do Insurance Companies Cover Road Rage Incidents?

Engaging in road rage in Pennsylvania could put you and other motorists and passengers in danger. It might seem safe to assume that if you get in an accident, your insurance company will cover the damages. However, many insurance companies don’t cover accidents caused by road rage, leaving you to foot the bill.

How could road rage affect your coverage?

Pennsylvania is a “no fault” state, meaning that most drivers are eligible for compensation regardless of who caused the motor vehicle accident. Even if you hit the other vehicle, your insurance company might still give you a payout. However, your insurance company might have an exemption for motor vehicle accidents caused by road rage. Since you took the risk, your insurance company expects you to pay the price.

If you’re running late, it’s hard to avoid engaging in road rage when everyone seems to be driving slowly. Try to leave early so you have plenty of time to get there. Additionally, keep in mind that most people aren’t trying to antagonize you. Even if they seem to disobey the rules of the road, they might be a student driver or unfamiliar with the area. Plus, everyone makes mistakes once in a while.

Similarly, avoid drivers who seem to be engaging in road rage themselves. Otherwise, you might get caught up in an argument or even a physical fight. Remember that their immaturity isn’t about you–it’s about them. If you engage with this person, you might see your motor vehicle accident insurance claim denied due to road rage.

What happens if you get into an accident?

Ideally, you would collect a payout from your insurance company and get on with your life. However, the situation might be more complex than it first appears. Get in touch with an attorney to see what you need to do in these circumstances.