my auto insurance policy has certain exclusion clauses to cover subscribed. Is this legal?
contract termination auto insurance - Indeed, under certain circumstances, Article R211-11 of the Insurance Code (current version at 13 January 2009) specifies that are valid, unless the person subject to compulsory Insurance is exempt from this requirement as provided below, the terms of auto insurance contracts in particular, designed to exclude coverage for the liability of the insured
- Due to the damage caused by the vehicle covered by auto insurance when transporting radiation sources to be used outside a nuclear facility, since those sources have caused or aggravated the disaster;
- Due to the damage caused by the vehicle involved in the auto insurance policy when carrying flammable, explosive, corrosive or oxidizing and at which such material would have caused or aggravated the damage, but the uninsured can not be invoked in right transport oil, mineral spirits or similar products, not exceeding 500 kilograms or 600 liters, including supply of liquid or gaseous fuel for the motor;
- Due to damage incurred during trials, races, competitions or their trials submitted by the regulations in force prior permission of the government.
Furthermore, Article R211-12 provides that the auto insurance policy, when it includes one of the disclaimers provided in Article R211-11, must remember that if the employment limitations that justify this exclusion are not met, the penalties provided for in Article L. 211-26 and the increase provided for in Article L. 211-27, first paragraph, will be incurred.
Finally, Article R211-13 states that are not applicable to the victims or their dependents:
- The exemption provided for in Article L. 121-1;
- Disqualifications, except the suspension of due process guarantees for non-payment of premium;
- The reduction of the allowance in accordance with Article L. 113-9;
- The exclusions from coverage under section A. 211-10 and R. 211-11.
In these cases, the insurer shall pay of compensation on behalf of the officer. It may have against the latter an action for reimbursement of all sums so paid or reserved for him.
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