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Auto Insurance Claims/claims for injuries sustained

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Expert: - 10/24/2009


Question
If the cost of injuries sustained in an auto accident caused by another,(who also was impaired while driving)exceed the limits of his policy, can your own personal policy then be made to pay what is left of costs, even though your vehicle was not in any way involved? My car was at home while this guy crashed his vehicle injuring my granddaughter. Only his vehicle was involved in a rollover.

Answer
I would say yes under Med Pay and Underinsured motorist coverage. Look at your declarations page to see if you have the "underinsured" motorist coverage in addition to "uninsured" motorist coverage. And read the definition of an insured in both sections of the policy. If our granddaughter is not living with you, then she probably would not be covered under your policy.

Auto Insurance Claims

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Ron Cercone

Expertise

How to handle automobile total loss claims. I am the president of UClaim.com, which sells 29 different eBooks I have written on how to maximize various types of auto, home and business claims and how to get coverage on denied claims. You may view their tables of contents online. Also available are very specialized eBooks such as on EUO (Examination Under Oath) for example. Also available is an assortment of policy forms used by the most popular insurers. The eBooks have a money back guarantee and currently include personal consultation with Ron Cercone.

Experience

I have been adjusting insurance claims since 1980. 1980 to 1995 adjusting for many insurers (6 years as an independent adjuster with my own company). Currently working as a public adjuster in California, since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.

Organizations
CAPIA (California Association of Public Adjusters).

Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim.com .

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