my brother and i were in a car accident last week. my brother was at fault and he was driving one of my parents cars. insurance is going to pay for the damage and medical bills for the other person. i haven't discussed with the insurance company about them paying for my medical bills or pain and suffering ( whatever they call it). my parents have 50/100/50 and they have $5k pip ( personal injury protection ) . So my question is this will the insurance pay for my injuries and my brothers injuries ( medical bills ) ??
2007-08-07 12:54:24 · 8 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
1. Anyone inside your parents car is eligible for PIP payments
2. If your state allows for GBI claims then you have an open bi claim agains your brother. Any settlement is offset by what is paid under PIP. Ask your adjuster if you are able to file a GBI claim, or guest bodily injury, claim.
2007-08-07 14:43:31 · answer #1 · answered by bundysmom 6 · 2⤊ 0⤋
We really need to know what state you are in order to tell you if you will be able to an injury (pain & suffering) claim against your brother.
Assuming that you and your brother were using the car with permission ( or had implied permission) in most states states you as a passenger can make an injury claim against a family member who was at-fault.
The PIP coverage will apply to you and your bro no matter what. However, he will only get his bills paid. He will not be allowed to make a claim for pain & suffering.
You really need to call the adjuster and discuss your options with them.
2007-08-08 03:37:19 · answer #2 · answered by fighting saints 6 · 0⤊ 0⤋
You wont get any money beyond medical bills. You cant benefit from your brothers at fault accident- your a household resident and family member.
If he has 5k PIP on his policy (assuming that means 5k per household resident) you will both get up to 5k in reasonable medical bills paid.
haha.. thinking you were getting pain and suffering money off your brothers policy? how selfish is that?
2007-08-07 12:58:35 · answer #3 · answered by Anonymous · 0⤊ 0⤋
By law the insurance companies have to pay up to the limit per policy per person of all damages / injuries. This based on a case by case basis. You must have been seen by a physician within24-48 hrs. I would advise that if you file a claim against your parents insurance company, they more than likely will raise their premium drastically.
2007-08-07 13:02:52 · answer #4 · answered by Keith 2 · 0⤊ 1⤋
Sounds like a individual demands further coverage for automobile to hide the deductible. So what those men and women are announcing is as an alternative than pay the declare they have got additionally discovered methods to stall and you continue to haven't any transportation if you happen to wouldn't have $a thousand sitting round.
2016-09-05 11:04:44 · answer #5 · answered by ? 4 · 0⤊ 0⤋
Your policy will only pay out up to your coverage limits. From your response above, it sounds like you can each have up to 5k for medical. It is hard to say exactly without seeing your full policy. I hope everyone is ok.
2007-08-07 13:22:31 · answer #6 · answered by JoliCart 3 · 0⤊ 0⤋
This is a question you need to ask the insurance company.
Auto insurance is very complicated. Check out my answer to this question about auto insurance, that I got best answer on ... you can then see what they call the kind of insurance that covers this and that, and then check your parent's deal to see if there was coverage for what you now asking about
http://answers.yahoo.com/question/index;_ylt=AgfAwnZw0TlvCDluS1ScPObty6IX?qid=20070719151415AA3ACTP
2007-08-07 15:27:27 · answer #7 · answered by Anonymous · 0⤊ 0⤋
I hope you don't expect any money any time soon if you get any. Deductibles need to be paid out and then you have to wait FOREVER to get anything back.
2007-08-07 13:12:15 · answer #8 · answered by hazeleyedbeauty1967 6 · 0⤊ 1⤋