Bob Brown was recently involved in a minor auto accident. His car was hit from behind, and he, in turn, slammed into the car in front of him. He would like someone to explain his coverage and show him where, in his auto policy, each of his losses might be covered. The explanantion of coverage and the location of coverage should be in general terms for most auto insurance policies, please do not use only your personal auto insurance policy as your guide for your response.
Help him out by doing that for each of the following items.
The cost of a medical checkup for his passenger, Ruth
The front and rear damage to his car
The damage to the car in front of him
The damage to the car behind him
The total amount of liability protection for bodily harm and property damage
2006-09-12 06:45:32 · 6 answers · asked by xclusivityforu 1 in Business & Finance ➔ Insurance
some states use ISO auto forms, and some don't. It's an impossible question, not knowing which state he's in.
Also, some states have "no fault" for medical, meaning Ruth would always collect under her own policy. And some states don't do seperate medical benefits at all.
2006-09-12 15:03:28 · answer #1 · answered by Anonymous 7 · 0⤊ 0⤋
In this situation the driver who caused the accident, the last in the chain, is the responsible party for damages caused to both cars ahead of him.
The car in the middle and the first car owe no liability damages to either each other or the last car.
As far as medical expenses and collision coverage is concerned, each car's insurer would pay for medical care to each car's occupants.
If injuries are serious enough, a lawsuit will be filed against the last driver.
Collision damage should be paid by the last car's insurer to avoid having to pay your deductible.
If the last driver has no or not enough insurance, claim under your uninsured motorist coverage.
Total liablity protection is based on the coverage carried by the last driver and if necessary your unisured motorist coverage.
2006-09-12 14:00:32 · answer #2 · answered by jbowler 3 · 0⤊ 0⤋
The car that rear-ended Bob is liable for the damages to all vehicles. The only case in which Bob's insurance would cover anything is if the driver that hit him does not have sufficient insurance. In this case, 'uninsured/under-insured' coverage on his policy would cover damages to his vehicle and injuries to him and his passengers. The vehicle in front of him would have a claim against the 'at fault' driver or their own 'uninsured/ under-insured' coverage. Bob is not liable for damages or injuries involving the front vehicle.
2006-09-12 18:28:17 · answer #3 · answered by STEVEN F 7 · 0⤊ 0⤋
This is totally going to depend on the state insurance laws in Bob Browns' state.
If he is in a traditional tort state there is going to be a different nexus of coverage than if he were in a no-fault state.
You have to determine that before you can begin answering any of the above questions.
2006-09-12 16:04:20 · answer #4 · answered by markmywordz 5 · 0⤊ 0⤋
I agree with alsmom. The answers are probably readily available in your textbook.
2006-09-12 14:04:06 · answer #5 · answered by Helmut 7 · 0⤊ 0⤋
It's called cheating doing school assignments like this!
2006-09-12 13:55:31 · answer #6 · answered by ♥alsmom♥ 4 · 1⤊ 0⤋