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Auto Insurance Claims/Broken arm exiting own vehicle...

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Expert: - 4/25/2009


Question
Hi there.  I have GEICO liability only coverage (California).  I got out of my car rather quickly and stepped on a round rock, falling hard to the ground and breaking my arm.  I have no health insurance.  Someone suggested that GEICO might cover this.  Could this be true?  Thanks.

Answer
Hi Michelle,

It does not appear that California has Personal Injury Protection (PIP) coverage available. It is possible that your policy may contain Medical Payments Coverage (MedPay)that may be able to be used. You would have to either look at the Declarations page of your police to see if you have MedPay coverage or call Geico and ask them. If you do have the coverage you would then need to ask if it would provide coverage for your situation. It may only provide coverage for injuries sustained in a collision.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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