A Major Medical policy insured is injured during an auto collision while being pursued by police. If the insured files a claim after being convicted of reckless driving, what is the likely action by the insurance company?

In the scenario described, the insurance company is likely to deny the claim based on the insured's conviction of reckless driving. Major Medical policies typically include exclusions related to illegal activities, especially when the insured is engaged in reckless behavior that leads to injury. The pursuit by police implies that the insured was involved in a potentially dangerous situation, further emphasizing the reckless nature of the driving.

When an insured individual is convicted of reckless driving, this often creates a legal basis for the insurer to deny the claim, as the act may be tied to the nature of the injury sustained in the auto collision. Insurance contracts generally contain terms that limit coverage for losses resulting from the insured's illegal acts or gross negligence. Since the insured was convicted—a finding that provides evidence of illegal behavior—the insurance company is justified in denying the claim on those grounds. This aligns with the principles of insurance that seek to uphold the contract by not providing coverage for damages that arise from misconduct.

In summary, the insurance company is likely to deny the claim due to the conviction related to reckless driving, as it falls under the risk of loss that the insurance policy does not cover. This serves to enforce the principle that coverage is not available for injuries sustained while engaging in illegal or reckless activities.