If I sued my friend for running my foot over, would it cost her personal money?

Question

Or would it just bill the insurance agency?

Or would it just bill the insurance agency? It was by a car on accident.

Or would it just bill the insurance agency? It was by a car on accident.

Answer 1

Her rates will go up. Insurance will investigate, check hospital/doctor reports and police reports. If you are friends it will look a bit suspicious.

Answer 2

Her insurance will pay for the hospital bill no doubt. Will it cost her personally? NO! Other than the friendship if you and she have NOT worked this out. But suing shouldn't be an option if an accident/incident report was filed with the local Police Department. It will simply be a matter of going to the doctor and filing a claim to HER insurance company. That is why she pays premiums.

You will have to prove personal injury via a Doctor.

Answer 3

Each state has different laws. If you live in a no-fault state, and you were a pedestrian, her insurance would have money to pay for your medical bills (and maybe lost wages), and if you qualified you could ask for payment for pain and suffering or permanent injury.

She purchased insurance for financial protection. Her insurance will pay you. It will not come out of her pocket.

PS: The "deductibles" as stated above will not apply to this - this is not property or collision damage.

They MAY raise her premium; however, it may stay the same. If you are no-fault, it is usually against the law to raise the premium for payment of medical bills on the medical portion of the policy. It is only when, (and only if you qualify - keep that in mind - there is a tort threshold), you claim for pain and suffering and ask for the liability portion of her policy.

You must look at it like this: if you, for example, end up having a surgery, and/or a permanent limp or deformity, you should request to be compensated for your future problems you will encounter, arthritis, etc.

Answer 4

If your friend turned the claim over to her insurance, then the would handle it. Deductibles typically only apply to property damages claims. In most states, the carrier would have a duty to hire an attorney to defend your friend against the lawsuit.

If your claim exceeded the amount of her insurance, then her personal assets would be at risk.

Answer 5

yes, it would cost her the deductible on the insurance. It would also cost her her "lifetime" limit on personal injury. Meaning if she had 30,000 for personal injury, and u got 30,000, the next time she hurt someone she wouldnt have coverage unless she up it to 45,000. Her premiums would also go up. You also had personal responsiblity being so close to a car that was turned on. My opinion would be let your medical insurance cover it and have her insurance pay for your insurance copays plus any missed work days. Alot of times her car insurance is so thankful that they will give you money back that your medical insurance paid in doctor fees, minus the copays that would go directly to the doctor.

Answer 6

It will cost her one way or another.

If you sued and she had no insurance, she would be liable. If you reported it to the the police, the first thing insurance companies do is to offer a settlement BEFORE you can get an attorney! Once the insurance pays, her insurance rates go up!

Answer 7

It might. Depends on the nature of friend's insurance. Possibly there is a deductible, which friend would have to pay, the insurer picking up the rest.

Answer 8

Yes it would still cost her money. She files a claim, the insurance company foots :) the bill up front and her deductible goes up.

Answer 9

The insurance agency pays, but it might affevct her insurance rate, might go up for three years, depends on heinsure compnay and other cliams/tickets on her record.

Answer 10

Her insurance company would probably cover the cost, but..... Your friends deductible would have to be paid and her rates would probably go up due to the claim. So yes it would cost her personally.