Here are some accidents and injuries that people commonly assume are covered by insurance but may not be covered:
1. Dog bites: Some homeowners or renters insurance policies have exclusions for certain breeds of dogs or may not cover injuries caused by a dog that is not owned by the policyholder.
2. Flood damage: Many homeowners insurance policies do not cover damage caused by flooding. This coverage is usually purchased separately as a flood insurance policy.
3. Earthquakes: Homeowners insurance policies typically do not cover damage caused by earthquakes. This coverage must be purchased through a separate earthquake insurance policy.
4. Cosmetic surgery: Most health insurance policies do not cover cosmetic procedures such as breast augmentation, liposuction, or cosmetic dentistry.
5. Sports injuries: Some health insurance policies may exclude coverage for injuries sustained during certain types of high-risk activities such as extreme sports or amateur boxing.
6. Mental health treatment: While many health insurance policies offer some degree of coverage for mental health treatment, the coverage may be limited or not cover certain types of treatment.
7. Pre-existing conditions: Some health insurance policies exclude coverage for pre-existing conditions, meaning that any medical condition you had before getting coverage may not be covered.
It is important to read your insurance policy carefully and understand what is and is not covered to avoid surprises in the event of an accident or injury.