I was a passenger in an accident that involved my driver who ran into a guard rail. No other cars were involved, but I'm hurt real bad. My driver has full coverage but she didnt't buy the medical coverage. Does this mean that I'm not medically covered? (it just doesn't make sense to me that her insurance would not cover any passengers).
2007-10-02 10:58:44 · 7 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Her Liability insurance has to cover you and any medical expenses. The medical coverage is only for her. So if she chose none, then she isn't covered. You are though.
2007-10-02 11:02:22 · answer #1 · answered by Anonymous · 1⤊ 0⤋
Depends on the laws of the state you are in and what coverage is required by that state. Insurance is regulated by the individual states - so the laws of each state can vary greatly.
For example:
If your state has a guest passenger statute - the driver may not be liable for your injuries under that statute.
If this happened in a PIP state - you may have to make a claim under your PIP coverage first (usually PIP states go victim coverage first then vehicle)
If this happened in a tort state where liability coverage is required or your injury broke threshold in a PIP state - then you may be entitled to a bodily injury liability claim.
The best thing to do - is talk to the adjuster who is handling the claim. They will be able to explain how things work in your state.
2007-10-02 13:01:11 · answer #2 · answered by Boots 7 · 0⤊ 0⤋
If she did not have the medical or pip coverage on her policy then no you would not be covered, however if you have this coverage on you auto policy you can turn in a claim with your carrier (your policy will not go up by doing this) they will then subrogate against your friend, and you do not really have to be involved. Your friend should understand that all you want is your medical bills covered being it was her fault
2007-10-02 11:32:35 · answer #3 · answered by rp 2 · 0⤊ 0⤋
Your comprehensive insurance should cover damage such as this. You will have your deductible taken out of what the payment will be. If this is a tree from property you are renting the landlord should have insurance for homeowners to cover it. You should also ask insurance company for renters insurance! That will cover items in your apartment and is a very low price. It will also lower your insurance premium for having multiple insurance.
2016-05-19 18:16:02 · answer #4 · answered by ? 3 · 0⤊ 0⤋
Contact your insurance company. The last thing they want to do is pay, so they will make sure no one else is liable and will pay for your medical help before they do. They should do all the leg work with the other insurance company and stuff.
2007-10-02 11:03:27 · answer #5 · answered by tri-mama 2 · 0⤊ 0⤋
You may have to sue the driver for damages. You would have to ring the insurer to find out.
2007-10-02 11:03:38 · answer #6 · answered by Anonymous · 0⤊ 0⤋
She was at fault here.. her "bodily injury" coverage would cover any innocent injured parties (being you.)
but i suggest you tread very carefully on this. This is your friend that your basically suing.... i suggest you only take what you need b/c she or he will pay for it.
2007-10-02 11:11:26 · answer #7 · answered by Anonymous · 0⤊ 0⤋