Safeco auto insurance coverage apartment automobile protection supplies an important coverage if you find yourself in the back of the wheel of a apartment. Figuring out the main points, barriers, and declare procedure is very important for peace of thoughts. This information dives deep into Safeco’s apartment automobile protection, evaluating it to competition and outlining the particular eventualities the place it applies. We will read about the sorts of protection, coverage phrases, and declare procedures, offering sensible examples and a visible illustration for a transparent figuring out.
From the preliminary steps of acquiring apartment automobile protection to the overall levels of submitting a declare, this complete information clarifies the often-complex facets of Safeco’s protection. We will cope with eventualities the place protection applies and the place it does not, and be offering insightful examples of the way the coverage purposes in more than a few coincidence eventualities.
Protection Main points
Safeco Auto Insurance coverage, like many suppliers, gives apartment automobile protection as an not obligatory add-on to straightforward insurance policies. This protection is designed to offer protection to policyholders from surprising bills incurred when a lined car is broken or rendered unusable, requiring a apartment automobile. Figuring out the specifics of this protection is an important for knowledgeable decision-making. This phase delves into the main points of Safeco’s apartment automobile protection, evaluating it with competition and outlining its applicability and barriers.Safeco’s apartment automobile protection extends past easy substitute prices; it objectives to offer a complete strategy to the inconvenience and bills related to car downtime.
This usally comprises day-to-day apartment fees, related charges, or even doable delays. This protection is typically prompted when your car is deemed unrepairable or is in a state that forestalls its use.
Varieties of Condominium Automobile Protection Choices
Safeco, like different main insurers, usally gives various ranges of apartment automobile protection. Those choices continuously come with protection for usual leases, luxurious leases, and even specialised automobiles, in keeping with the cases of the declare. The choice to be had would possibly rely on components such because the coverage’s explicit options and the character of the incident. A commonplace choice comes to day-to-day apartment allowances with a specified restrict.
Other ranges of protection would possibly have differing day-to-day limits.
Comparability with Different Primary Insurance coverage Suppliers
A comparative research finds that many main insurance coverage suppliers be offering identical apartment automobile protection choices. Then again, explicit day-to-day allowances, deductibles, and the level of protection for explicit cases can range considerably. As an example, some suppliers would possibly be offering upper day-to-day allowances for luxurious leases, whilst others won’t duvet apartment charges related to looking ahead to maintenance. Crucially, the policyholder should scrutinize the high-quality print and exclusions to determine entire protection.
Particular Scenarios The place Condominium Automobile Protection Applies
Condominium automobile protection usually applies when a lined car is keen on an coincidence or is deemed a complete loss, or the car is broken or in a different way rendered unusable. It is very important to decide whether or not the wear and tear is roofed underneath your coverage. This protection additionally extends to eventualities the place a lined car is present process maintenance, usally requiring a substitute car for day-to-day use.
Obstacles and Exclusions of Safeco’s Condominium Automobile Protection
There are barriers and exclusions inherent in all insurance coverage insurance policies. Safeco’s apartment automobile protection isn’t any exception. Those exclusions usally come with pre-existing injury, injury brought about by means of intentional acts, and sure sorts of incidents, akin to the ones as a result of the insured’s negligence. Which means injury to the car brought about by means of components now not lined by means of the coverage is not going to cause apartment automobile protection.
Desk of Protection Main points
| Form of Protection | Description | Deductible |
|---|---|---|
| Same old Condominium | Covers day-to-day apartment fees for the standard car. | $0 – $500 (relying on coverage) |
| Luxurious Condominium | Covers day-to-day apartment fees for a luxurious car. | $0 – $1000 (relying on coverage) |
| Specialised Automobile Condominium | Covers day-to-day apartment fees for specialised automobiles, like SUVs or vehicles, in keeping with the will. | $0 – $1000 (relying on coverage) |
Coverage Phrases and Prerequisites
Safeco Auto Insurance coverage apartment automobile protection supplies supplementary coverage on your apartment car, extending your own coverage’s legal responsibility and collision protection. Figuring out the phrases and stipulations of this protection is an important for maximizing its advantages and making sure easy declare processing. This phase main points the intricacies of Safeco’s apartment automobile protection, from acquiring the protection to submitting claims.
Condominium Automobile Protection Applicability, Safeco auto insurance coverage apartment automobile protection
Safeco apartment automobile protection applies if you find yourself using a apartment car. This usally comprises cases like substituting your individual car for a apartment, or in case you are renting a car whilst yours is being repaired. The coverage specifics decide whether or not the apartment automobile protection extends to precise cases. For example, the protection would possibly now not observe if you’re renting a car for private use whilst your individual automobile isn’t being repaired, however the coverage will have to be particular.
It is necessary to seek the advice of your coverage record to substantiate the appropriate stipulations.
Procedures for Submitting a Declare
Submitting a declare for apartment automobile protection typically comes to a number of steps. First, document the incident to the apartment automobile corporate. Report all main points of the coincidence, together with the time, location, and different events concerned. This an important preliminary step guarantees the apartment automobile corporate’s involvement and record-keeping. Accumulate supporting documentation, akin to police reviews (if relevant), witness statements, and apartment agreements.
Those main points shape the root of your declare and supply an important proof. Subsequent, touch Safeco’s claims division. Supply them with all accrued knowledge. The claims procedure will contain an intensive overview of the submitted proof to decide the validity of your declare.
Acquiring Condominium Automobile Protection
Condominium automobile protection is usally routinely incorporated along with your Safeco Auto Insurance coverage. Evaluation your coverage paperwork or touch Safeco customer support for affirmation. This automated inclusion is commonplace observe and saves shoppers the wish to explicitly acquire this protection one by one. Then again, there may well be positive cases the place you wish to have to request an endorsement for protection.
Checking the Standing of a Declare
You’ll usually take a look at the standing of your apartment automobile declare on-line thru Safeco’s buyer portal. The portal supplies real-time updates at the declare’s growth. You’ll additionally touch Safeco’s customer support representatives to inquire in regards to the declare’s standing and any longer steps required.
Required Documentation for Condominium Automobile Protection Claims
Correct and complete documentation is very important for a easy declare procedure. This usually comprises the apartment settlement, a police document (if relevant), restore estimates from the apartment automobile corporate, and any witness statements. Each and every piece of documentation provides to the excellent image of the incident, and it is vital to incorporate all related fabrics. A well-documented declare considerably will increase the possibilities of a well timed answer.
Condominium Automobile Protection Declare Procedure
| Step | Description |
|---|---|
| 1 | Document the incident to the apartment automobile corporate and record all main points. |
| 2 | Accumulate all essential supporting documentation, together with police reviews, witness statements, and apartment agreements. |
| 3 | Touch Safeco’s claims division and supply them with all accrued knowledge. |
| 4 | Supply asked knowledge to Safeco for declare processing. |
| 5 | Track the declare standing thru Safeco’s on-line portal or customer support representatives. |
Protection Examples: Safeco Auto Insurance coverage Condominium Automobile Protection
Safeco apartment automobile insurance plans supplies a an important protection internet for surprising occasions when you are in the back of the wheel of a apartment car. Figuring out when this protection applies, and when it does not, is very important for proactive monetary making plans. This phase main points more than a few eventualities let’s say the applying of Safeco’s apartment automobile protection, encompassing each really helpful and non-applicable eventualities.Condominium automobile protection extends past the standard perils of using.
It safeguards policyholders towards a variety of doable dangers, from minor fender benders to critical injuries, providing monetary coverage and peace of thoughts. You have to remember the fact that the particular phrases and stipulations of your Safeco coverage will dictate the appropriate extent of protection.
Scenarios The place Protection is Really helpful
Condominium automobile protection kicks in when your number one car is unavailable because of restore or different cases. This permits you to use a apartment automobile whilst your individual is out of provider. Consider a state of affairs the place your automobile is keen on an coincidence requiring intensive maintenance. Condominium automobile protection would allow you to download a brief substitute, making sure you’ll nonetheless shuttle with out monetary pressure.
However, in case your automobile is within the store for regimen upkeep, a apartment automobile can facilitate your day-to-day commitments.
Scenarios The place Protection Does No longer Observe
Condominium automobile protection is not a common resolution. You have to acknowledge eventualities the place it does now not supply coverage. As an example, in case you use a apartment automobile for a private joyride with none prior respectable reason why for the use of it, your Safeco coverage won’t duvet injury. Moreover, protection won’t observe if the apartment automobile is used for industrial functions, akin to transporting items for benefit.
Condominium Automobile Twist of fate State of affairs
Consider a state of affairs the place you might be using a apartment automobile and collide with some other car because of a surprising, unexpected street danger. The coincidence leads to important injury to each automobiles. Safeco’s apartment automobile protection, if relevant, would duvet the damages to the apartment automobile as much as the coverage limits. This protection would now not surround the damages to the opposite car, however would duvet the apartment automobile itself.
The policyholder can be answerable for their very own legal responsibility.
Other Varieties of Condominium Automobile Injuries and Protection Software
More than a few sorts of injuries can happen whilst using a apartment automobile. A rear-end collision, for example, may contain minimum injury or really extensive injury, relying at the pace and have an effect on. In both case, Safeco’s apartment automobile protection would step in to deal with the wear and tear to the apartment automobile. A collision with a desk bound object, akin to a parked automobile or an indication submit, may additionally cause the apartment automobile protection.
In all instances, the protection will observe in keeping with the phrases and stipulations of the Safeco coverage, protecting the damages to the apartment automobile, as much as the coverage’s specified limits.
Function of Deductibles in Condominium Automobile Protection Claims
Deductibles act as a monetary threshold for protection. In apartment automobile coincidence claims, the policyholder is answerable for paying the deductible quantity sooner than Safeco compensates for the wear and tear. For example, if the deductible is $500, and the restore prices quantity to $1,000, the policyholder would pay $500, and Safeco would duvet the remainder $500. This mechanism is helping arrange the monetary dangers related to injuries.
Function of the Condominium Corporate in Condominium Automobile Protection Claims
The apartment corporate performs a an important function within the claims procedure. They’re usally keen on assessing the wear and tear, offering documentation, and coordinating maintenance. They may additionally have their very own insurance coverage insurance policies that may be related to the location. Running carefully with the apartment corporate is important for a easy and environment friendly declare answer procedure.
State of affairs Desk
| State of affairs | Safeco Protection Software |
|---|---|
| Twist of fate because of a surprising street danger whilst using a apartment automobile | Protection applies for damages to the apartment automobile, as much as coverage limits. |
| Rear-end collision with minimum injury to the apartment automobile | Protection applies for damages to the apartment automobile, as much as coverage limits. |
| Collision with a desk bound object whilst using a apartment automobile | Protection applies for damages to the apartment automobile, as much as coverage limits. |
| Use of apartment automobile for a private joyride leading to injury | Protection won’t observe relying on coverage phrases and stipulations. |
| Use of apartment automobile for industrial functions | Protection won’t observe relying on coverage phrases and stipulations. |
Protection Obstacles and Exclusions
Condominium automobile protection, whilst a precious receive advantages, is not a blanket ensure. Figuring out its barriers is an important to keep away from unexpected bills. Those barriers, whilst every so often apparently restrictive, are applied to handle the monetary balance of insurance coverage suppliers and save you abuse of protection. A nuanced figuring out of those parameters is secret to meaking knowledgeable selections when bearing in mind a apartment automobile coverage.
Particular Obstacles of Safeco’s Condominium Automobile Protection
Safeco’s apartment automobile protection, like maximum insurance coverage insurance policies, has inherent barriers. Those barriers are designed to forestall misuse and make sure the coverage’s sustainability. The precise barriers are rooted in statistical research of claims and the inherent dangers related to apartment automobile utilization. Protection barriers are a mirrored image of those realities.
Excluded Scenarios
Condominium automobile protection usually does not lengthen to all eventualities. Exclusions usally stand up when the apartment car’s use deviates considerably from the meant function or comes to cases past the scope of conventional using. Those exclusions offer protection to the insurance coverage corporate from fraudulent or unreasonable claims.
- Pre-existing Harm: Protection usally excludes pre-existing injury to the apartment car. This can be a commonplace exclusion in maximum insurance coverage insurance policies, together with the ones for apartment automobiles. The policyholder is answerable for damages that have been provide previous to their use of the car.
- Private Use Exceeding Coverage Limits: The use of the apartment car for actions considerably outdoor the scope of the coverage’s meant use may end up in protection denial. For example, if the coverage covers the apartment car for work journeys most effective, the use of it for private shuttle may invalidate the protection.
- Adjustments to the Automobile: Unauthorized changes to the apartment automobile, together with however now not restricted to alterations to the car’s engine or security measures, may result in a denial of protection within the match of an coincidence or injury. Adjustments are usally explicitly excluded to handle the car’s unique protection requirements and scale back the danger of claims.
- Riding underneath the Affect: Riding whilst intoxicated or underneath the affect of substances usually leads to your entire exclusion of apartment automobile protection. This exclusion is consistent with public protection considerations and felony implications.
- Condominium Settlement Violations: Failure to agree to the phrases of the apartment settlement can void apartment automobile protection. This comprises eventualities like returning the car past due, failing to pay the total apartment quantity, or exceeding the apartment duration. Such violations point out a possible misuse of the car.
Examples of Protection Obstacles
Protection barriers can manifest in more than a few eventualities. Believe a state of affairs the place a policyholder rents a automobile for a industry commute however makes use of it for a private weekend getaway. The coverage would possibly now not duvet the damages or injuries that happen all over this unauthorized private use. Some other instance is when a policyholder rents a automobile for a industry assembly and sustains injury because of an coincidence whilst on a private errand all over the commute.
This state of affairs may also fall outdoor of protection.
Causes for Protection Obstacles
Protection barriers are very important for managing possibility and keeping up affordability for insurance coverage corporations. Figuring out those causes supplies a complete view of the protection barriers. They enable insurance coverage corporations to evaluate the danger related to several types of claims. Statistical knowledge research performs a very important function in figuring out and quantifying those dangers.
Comparability to Competition
A comparative research of Safeco’s apartment automobile protection exclusions towards competition finds permutations in protection scope. Competition could have other exclusionary standards for explicit actions or eventualities. Some could have broader protection for positive sorts of use, whilst others would possibly have stricter limits. This variability underscores the significance of totally reviewing particular person coverage phrases.
Protection Applicability Desk
| State of affairs | Safeco Condominium Automobile Protection Applies? |
|---|---|
| Trade commute, minor fender bender | Most probably |
| Private street commute, coincidence | Most probably now not |
| Condominium settlement violation (past due go back) | Most probably now not |
| Twist of fate because of pre-existing mechanical failure | Most probably now not |
| Riding underneath the affect | For sure now not |
Declare Procedure and Documentation
Navigating the complexities of a declare can also be daunting. This phase meticulously main points the Safeco apartment automobile declare procedure, making sure a easy and environment friendly revel in. Figuring out the stairs and required documentation is an important for a well timed answer. The method, like a well-orchestrated symphony, depends on transparent conversation and meticulous documentation.
Declare Initiation
To start up a declare, the policyholder should first touch Safeco’s customer support division. This preliminary touch serves as the root for the declare procedure, facilitating the essential steps and documentation amassing. This interplay establishes a an important conversation channel all the way through the declare lifecycle.
Required Paperwork
Thorough documentation is very important for processing a apartment automobile declare. The accuracy and completeness of those paperwork considerably have an effect on the declare’s timeline and result. Those paperwork give you the proof had to validate the declare and decide the best repayment. The next desk Artikels the very important paperwork required.
| Report Kind | Description |
|---|---|
| Coverage Knowledge | Coverage quantity, identify, cope with, and any related endorsements or addendums. |
| Condominium Settlement | Replica of the apartment settlement, together with dates, apartment duration, and car main points. |
| Incident Document | Reliable police document if the coincidence concerned regulation enforcement. |
| Pictures | Pictures of the wear and tear to the apartment car, the encompassing house, and any accidents sustained. |
| Clinical Data | Documentation of any scientific remedy or bills if accidents have been incurred. |
| Estimate of Restore Prices | An in depth estimate of restore prices from a professional mechanic or restore facility. |
| Evidence of Loss | Documentation proving the true loss incurred, akin to apartment invoices. |
Timeline for Processing
The declare processing timeline varies in keeping with the complexity of the declare and the supply of the essential paperwork. Normally, claims with entire and correct documentation are processed extra successfully. Components akin to the will for additional investigation or exterior approvals would possibly lengthen the timeline. Claims involving really extensive injury or a couple of events concerned would possibly take longer to get to the bottom of.
A mean declare, with entire documentation and minimum headaches, may well be resolved inside of 10-14 industry days.
Conversation Procedure
Efficient conversation is paramount all over the declare procedure. Policyholders are inspired to handle open conversation channels with Safeco representatives. Common updates at the declare’s growth, in conjunction with transparent directions, be sure a easy and clear procedure. Safeco representatives will stay the policyholder knowledgeable of any essential follow-up movements or further documentation wanted. Transparent conversation and recommended responses from each events boost up the answer.
Flowchart of Safeco Condominium Automobile Declare
The next flowchart illustrates the sequential steps keen on a Safeco apartment automobile declare. The method is designed to be intuitive and environment friendly.[A detailed flowchart, not an image, should be provided here visually depicting the steps involved in the Safeco rental car claim process. This should include boxes for each step, arrows indicating the flow, and labels for each step.
For example, “Report Accident,” “Gather Documents,” “Submit Claim,” “Review Claim,” “Settlement” etc.]
Further Protection Choices
Safeco Auto Insurance coverage understands the unpredictable nature of shuttle and the possibility of unexpected occasions, particularly when renting a car. Increasing your coverage to incorporate apartment automobile protection can give peace of thoughts and monetary coverage in more than a few eventualities, making sure a unbroken and worry-free revel in. This added layer of safety is especially precious in as of late’s an increasing number of cell society.
Condominium Automobile Protection Upload-ons
Condominium automobile protection extends past the usual coverage’s protections, offering further safeguards adapted to the particular dangers related to transient car use. Those add-ons are designed to provide complete coverage towards injury or loss whilst renting.
Including Condominium Automobile Protection to Your Coverage
Including apartment automobile protection on your current coverage is an easy procedure. Touch your Safeco consultant or use the net portal. The method usually comes to updating your coverage main points and deciding on the specified degree of protection. A transparent figuring out of the more than a few protection choices and their related prices is an important for knowledgeable decision-making.
Prices Related to Including Condominium Automobile Protection
The price of including apartment automobile protection varies in keeping with a number of components, together with the particular protection degree, deductible, and the kind of apartment car. Components such because the geographical location of the apartment and the length of the apartment additionally affect the associated fee. Normally, the associated fee is an additional top class that will probably be added on your current auto insurance coverage.
Scenarios Requiring Further Condominium Automobile Protection
The will for extra apartment automobile protection turns into glaring in eventualities the place your number one car is unavailable or mistaken for the meant use. As an example, believe a state of affairs the place your car is within the store for maintenance, or if you wish to have a bigger car for a circle of relatives holiday. However, if you’re touring across the world and require a particular form of car, further protection can also be really helpful.
Moreover, in case your car is broken or stolen all over the apartment duration, further protection can considerably scale back monetary burden.
Advantages of Including Further Condominium Automobile Protection
Some great benefits of including further apartment automobile protection are really extensive, offering a an important layer of coverage within the match of an coincidence, injury, or robbery. This protection can doubtlessly offer protection to you from important monetary loss, decreasing pressure and nervousness all over a commute or transient car use. Additionally, the protection can assist mitigate the prices related to changing or repairing a apartment automobile, which can also be really extensive relying at the cases.
Other Upload-ons To be had
- Collision Protection: Covers injury to the apartment car from a collision with some other object, together with different automobiles or mounted gadgets. That is specifically related in case you are keen on an coincidence whilst using the apartment automobile.
- Complete Protection: Covers injury to the apartment car from occasions rather then collisions, akin to vandalism, fireplace, robbery, or hail. This can be a an important part of protection, specifically in spaces vulnerable to herbal failures or high-crime environments.
- Loss Harm Waiver (LDW): Continuously incorporated in apartment automobile agreements however can also be excluded if your own coverage covers this. This protection protects you from the duty of paying for injury or lack of the apartment car, irrespective of who’s at fault. It considerably reduces your legal responsibility if the car is broken or stolen.
The prices related to those add-ons will range in keeping with the particular protection degree and deductible you select.
| Protection Kind | Description | Attainable Price |
|---|---|---|
| Collision | Covers injury from a collision. | Variable, depending on deductible and protection limits. |
| Complete | Covers injury from non-collision occasions. | Variable, depending on deductible and protection limits. |
| Loss Harm Waiver (LDW) | Protects you from paying for injury or loss. | In most cases a separate charge from the apartment company. |
Touch Safeco to talk about the particular prices and protection choices adapted on your wishes and personal tastes.
Visible Illustration
Safeco’s apartment automobile protection gives a an important layer of coverage, shielding policyholders from surprising bills. Visible representations can light up the nuances of this protection, making it more straightforward to grasp and examine. Visible aids permit for speedy comprehension and facilitate knowledgeable decision-making.
Condominium Automobile Protection Choices
Figuring out Safeco’s apartment automobile protection choices is an important for maximizing coverage. A transparent visible illustration, akin to a desk, can successfully provide more than a few protection ranges and related prices.
| Protection Possibility | Description | Instance Price (in line with 12 months) |
|---|---|---|
| Fundamental Condominium Protection | Covers legal responsibility for damages, however now not injury to the apartment automobile itself. | $50 – $150 |
| Enhanced Condominium Protection | Covers injury to the apartment automobile, together with collision and complete. | $100 – $300 |
| Top class Condominium Protection | Supplies most coverage, protecting injury, legal responsibility, and doable supplemental bills. | $150 – $500 |
Declare Procedure Visualization
A visible illustration of the declare procedure streamlines figuring out. A flowchart or infographic can obviously Artikel steps from reporting an incident to receiving repayment.
The visualization would depict levels like: reporting the incident, amassing documentation (police reviews, apartment settlement, injury pictures), filing the declare, reviewing the declare, and in spite of everything receiving repayment. Each and every level may well be visually represented with icons or textual content packing containers, highlighting the particular movements required.
Protection Obstacles and Exclusions
Visualizing protection barriers and exclusions is very important. A desk or infographic can spotlight eventualities the place protection does now not observe, warding off doable misunderstandings.
| Exclusion Class | Description |
|---|---|
| Pre-existing injury | Harm to the apartment automobile provide sooner than the apartment duration. |
| Harm brought about by means of negligence | Harm as a result of the renter’s recklessness or intentional acts. |
| Harm because of explicit perils (e.g., warfare, riots) | Harm from occasions outdoor the standard scope of apartment automobile incidents. |
Condominium Automobile Varieties Coated
Visible illustration of the sorts of apartment automobiles lined can make stronger figuring out. A sequence of pictures, a gallery, or a diagram can obviously illustrate more than a few automobiles.
This visible illustration will have to duvet compact automobiles, sedans, SUVs, and doubtlessly even higher automobiles like vehicles.
Protection Advantages: Visible Situations
Visualizing eventualities the place apartment automobile protection is really helpful is helping policyholders perceive its worth. Illustrative eventualities the use of photographs or quick animated sequences may show off eventualities like injuries, vandalism, or robbery.
A state of affairs depicting a renter incurring really extensive restore prices after an coincidence may illustrate the protection’s monetary coverage.
Comparability with Different Insurers
A visible comparability of Safeco’s apartment automobile protection with different insurers can help in making knowledgeable selections. An aspect-by-side desk or bar chart showcasing key options and premiums may facilitate a transparent comparability.
| Insurance coverage Corporate | Protection Kind | Top class (in line with 12 months) | Protection Main points |
|---|---|---|---|
| Safeco | Fundamental | $100 | Covers legal responsibility for injury. |
| Different Insurer | Fundamental | $120 | Covers legal responsibility for injury. |
Last Abstract
In conclusion, Safeco’s apartment automobile protection gives a precious layer of coverage, however figuring out its specifics is an important. This information has totally tested the main points of protection, barriers, and the declare procedure, empowering you to make knowledgeable selections about your apartment automobile coverage. Now we have explored more than a few eventualities, highlighting the advantages and barriers, and supplied a complete assessment for readers to with a bit of luck navigate their apartment automobile insurance coverage wishes.
FAQ Evaluation
What sorts of apartment automobiles are lined by means of Safeco?
Safeco’s apartment automobile protection usually extends to automobiles rented inside of america and usally comprises protection for home and world leases.
What documentation is wanted for a apartment automobile declare?
The specified paperwork typically come with the apartment settlement, police document (if relevant), and any injury checks from the apartment corporate.
How lengthy does it usually take to procedure a apartment automobile declare?
The processing time for a apartment automobile declare can range relying at the complexity of the case and the supply of supporting paperwork, however Safeco objectives to procedure claims successfully.
Are there any explicit eventualities the place Safeco’s apartment automobile protection would possibly now not observe?
Protection may well be excluded in instances of pre-existing injury to the apartment automobile, reckless using, or if the apartment car is used for unlawful actions.
