can you claim of your own insurance if you crashed your own car?

Question

i was injured in a one car accident , i was driving i was fully covered but can i clam for injures i sustained in the crash, other people in the car are claiming

Answer 1

unfortunatley no you can't claim. The reason for this is you are liable for the crash as you were driving at the time. The only way you can claim for injuries is if there is a third party at fault for the accident or if you are a passenger in someone else's car and they crash. As you are at fault for this accident then any injury you received is down to you. The passengers in your car can claim against your policy as you caused the crash and therefore are liable for their injuries. Otherwise if we needed a bit of cash you could buy a knacker and crash it on purpose and then make an injury claim. Sorry to be the bearer of bad news. The insurance will cover emergency medical bills (if an ambulance or other services were needed).

Answer 2

No. Since you were the negligent person you cannot sue yourself in essence. You didn't go into any details, but the majority of single car losses are the fault of the driver of that single car.

If you have first party coverage like med pay or PIP, that will pay for your medical bills or wages if you carry it. You just can't make a claim against yourself under your policy for pain and suffering like the others can.

Answer 3

If you have collision coverage, the vehicle will be covered.

Depending on the state you live in and its laws, if you have med pay coverage, your medical bills will be covered. But like the other guy said, the money goes to the medical facilities first, not directly to you.

Your passengers are covered under the Bodily Injury limits of your liability insurance, I believe.

And depending on how "hurt" they are, your rates are gonna to skyrocket. I'd start sweet-talking your passengers and begging them to take it easy on you, if I were you.

Answer 4

you can only claim if you can prove negligence.
you if you admit to being negligent and causing the crash you would appear to win your claim
However your insurance company will take a very dim view and at the very least hike up your premium's at worst they could cancel your policy
think very hard about what you want to do

Answer 5

Well not sure....but i think you can, another thing if you have PIP(personal injury protection) the answer is yes.Other wise check with your insurance company or agent.I just depending on exactly what kind of coverage you have.

Answer 6

First off, please dont listen to 98% of people on here- they have NO IDEA what they are talking about.

Second- it reallly depends on your state if your covered- please express your concerns to your adjuster and they will tell you how to proceed.

But- IN GENERAL- there is usually some sort of coverage for your own injury on your policy. this cover NEVER allows you get to above your medical bills covered (and if you get all your medicals covered- thats a generous policy) so dont think your gonna get money out of this.

Also- to give you a heads up- your passengers WILL likely be able to get money up and beyond medical expenses in this as they were passengers and "victims" in this at fault accident- which means skyrocketing rates for you.

good luck

Answer 7

Yes you can, had the same thing happen to me, and my car insurance paid my medical bills.

Answer 8

You should. Read what your policy says. If you don't have a copy, get one from your agent. If they give you problems, go straight to an attorney.

Answer 9

yes, that is what insurance is for...its to insure your car, yourself, and your passengers regardless of the number of vehicles in the accident.

Answer 10

You wouldn't be able to claim compensation, you can only claim that if it is someone else's fault, and that's what the huge payout for injuries usually is