Contact Paul Hogan's Law Center

You work hard every day to provide for your family and keep everyone safe. But what if the car insurance you’re paying for isn’t doing the same for you? Let me share a story that might change the way you think about your current insurance policy.

Meet Marla

Marla is a mom like many other moms —driven, loving, and doing her best for her family. After being seriously injured in a motor vehicle accident caused by her husband’s driving, Marla thought she’d be protected by her family’s car insurance policy with American Family Insurance. After all, they’d been paying for $100,000 in insurance coverage for years.

But when it came time to file a claim, Marla discovered a shocking truth buried in the back of a 22 page “FAMILY CAR POLICY “: American Family Insurance excludes coverage for family members living in the same household. Instead of the $100,000 she expected, the insurance company only offered $25,000, the minimum amount required by Kansas Law

What Does This Mean for You?

If you have an American Family Insurance policy, this could happen to you or your loved ones. The exclusion clause means friends or strangers—like a hitchhiker—are covered for the full $100,000, but not you, your children or any precious loved relative living in your own home.

It’s outrageous, isn’t it? You’ve been paying for peace of mind, but your policy may not protect the people you care about most.

Why This Matters

Marla’s story is a warning to all of us. She had to make an impossible choice:

1. Accept a small settlement

2. Spend years in court fighting a policy exclusion that Kansas courts have already upheld.

In addition Marla reported American Family dropped them as insureds

What You Can Do

Here are three action steps everyone should immediately take ;

1. Review Your Policy: Check if your car insurance includes exclusions for family members. These clauses can leave you, your children, and loved relatives vulnerable after an accident.

2. Ask Questions: Don’t assume you’re covered. Speak to your insurance agent and ask specifically about household member exclusions.

3. Switch Providers: If your policy doesn’t prioritize your family’s safety, and contains exclusions or step downs in coverage like the one I described it’s time to find one that does. Look for insurers who don’t have these unfair exclusions buried in their terms.

You Deserve Better

Being a mom is tough enough without having to fight your own insurance company. Marla’s story shows that companies like American Family Insurance may not have your best interests at heart. Protect yourself and your loved ones by choosing a policy that truly has your back.

Your family’s safety is priceless—don’t let fine print stand in the way. 💔