liability insurance?

Question

a truck with the drivers door open hit me from behind as it was rolling backwards.I was the one who had parked the truck,it was dark and I thought the door had closed completely as I started walking alongside My friend has liability but it does not cover 1st. party .

Answer 1

Considering you are barred from recovering for injuries when YOU are the person who caused the injury...nope, you get nothing. Your negligence is what caused this to happen, no one else's, and now you want money????

Answer 2

From the description you give, even though it sounds like from your description that you were responsible because the vehicle rolled after you parked it, you were a pedestrian and you are due compensation.
I've never heard of insurance that can select who to pay.
They insured the truck and it hit you. They pay.
The accident had no relationship to who drove of parked the car.
As soon as it was parked and you got out you became a pedestrian.
A separate civil action by the insurance company could try to involve you as responsible but in over twenty years of police, sheriff and private investigative work I never knew of a case where a pedestrian was held liable for an accident, regardless of what he did earlier.

Answer 3

Silly as it may sound, the insurance might cover your injuries. Your friends liability insurance covers him or anyone who drives the car or any car that he drives.

The issue is though, if his insurance pays you money for injuries. Your friend is going to get an at fault accident on his driving history. Its very likely that his rate will go up enough to easily pay for whatever the give to you.

Answer 4

The most you will see from this is $1000.00 if your lucky. The laws in your state might differ but liability is for collision with another vehical so as to fix thier car but not yours.