Okay confusing situation, my sister and I got into an accident yesterday, the car is on her insurance, (she has full coverage). It wasn't until today that my neck started bothering me. So I am going to the doctor. I called her insurance company, they knew I was a passenger and they said that I needed to go to my insurance company because the PIP on my insurance would cover me in the accident (we are in Florida) I explained the problem with that is that I was actually in the car on the way to register my new car I just got yesterday and on my way to get insurance, and prior to that I did not have insurance. That my last car I just sold a week ago and it was still in my name but I dropped insurance because I was just waiting to receive a duplicate title in the mail so that I could sign it to the new buyer since I lost the original, but now she is telling me she doesn't know if my sisters insurance will cover me even though I was in the car, how does this work in the state of Florida?
2006-06-21 08:35:40 · 9 answers · asked by Anonymous in Business & Finance ➔ Insurance
If your sister has insurance for medical bills of passengers in the car (which is generally part of the full coverage), they should cover it, even if you *do* have insurance.
Just push back and they will give. They always say no at first since most people won't argue. If they don't want to play, pull up the specks of your sister's insurance and show them why they are wrong. If the accident was someone else's fault, go talk to their insurance.
2006-06-21 08:43:45 · answer #1 · answered by Phoenix, Wise Guru 7 · 2⤊ 1⤋
First things first....you need to find out if your insurance own insurance is still in place.
Even though you 'dropped' it you might still have paid premium that has not been used yet and if so, your coverage may still be in place. (If you already received a cancellation notice then it is not in place).
If it is not, this part is very clear.
Your sister's PIP will cover you.
All you have to do is say you were uncovered by other insurance and her insurance will cover you.
One other complicating factor, if you are injured enough and the other driver was at fault, you might still be able to file a tort lawsuit against the at-fault driver if you meet one of the tort thresholds. In that case, you'll want to find an attorney who can sue the at-fault driver, whose liability insurance will pay you, if you qualify.
2006-06-21 16:04:32 · answer #2 · answered by markmywordz 5 · 0⤊ 0⤋
I don't know if FL has different law, but, normally, the passengers are covered as well. The insurance is designed to cover the car and everybody in the car. Since it sounds like your sister caused it, her insurance is responsible for your medical cost at least (and often times they would pay you lump sum so you would sign a release promising not to come back with more claim later). Have your sister look at her policy and make sure passengers are covered and go back to them and demand to talk to an adjuster.
2006-06-21 15:44:36 · answer #3 · answered by spot 5 · 0⤊ 0⤋
I work for a major insurance company and checked our guidelines. For our company, the driver's PIP will cover guest passengers ONLY if the guest does not have his/her own coverage. I'm not sure if it's different for other companies, but with our company and your situation, it would appear your sister's PIP would cover you since you had no coverage.
It's pretty straight-forward in our guidelines, so I'd think you should be able to get a straight-forward answer pretty easy from your sister's company.
2006-06-21 15:49:10 · answer #4 · answered by callmecam2 3 · 0⤊ 0⤋
Check to see if your sister has med pay on her auto policy. If she does it should pay for medical expenses up to the limit of the coverage. Could be $1,000 up to $5,000. Was there another vehicle involved in the accident? If so who was at fault? The other drivers liability coverage will kick in if they were at fault.
2006-06-21 17:03:03 · answer #5 · answered by Bob 3 · 0⤊ 0⤋
Your policy is primary, and your sister's policy is secondary. If your policy was flat out cancelled, then your sister's policy should pay. But it's pretty unusual to cancel your policy for "a week". If you don't have to sign a new application and pay a new deposit, your insurance policy is probably still in effect.
2006-06-21 21:27:50 · answer #6 · answered by Anonymous 7 · 0⤊ 0⤋
If you did not have insurance at the time, then her insurance will kick in (PIP).
2006-06-21 15:47:49 · answer #7 · answered by Woody B 2 · 0⤊ 0⤋
State Farm sucks!!! Sorry not an answer but a much needed vent.Thank you.
2006-06-22 06:23:34 · answer #8 · answered by Professor Riddle 5 · 0⤊ 0⤋
do you have the option of suing your sister or the other driver? her/their insurance would then pay the claim.
2006-06-21 15:43:04 · answer #9 · answered by leadbelly 6 · 0⤊ 0⤋