QUESTION
Will the policy still cover me as a passenger?
Asked on Oct 01st, 2012 on Personal Injury - Michigan
More details to this question:
I was a passenger in an insured vehicle. The driver was excluded from policy, he fell asleep and it was a single car accident. I was care slighted and sustained major injuries. Will the policy still cover me as a passenger?
16 ANSWERS
Bankruptcy Attorney serving Bellevue, WA
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Wild Sky Law Group, PLLC
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Since the driver was liable for the collision, his own liability policy won't cover his injuries; however, provided the insurance policy is properly in effect on the date of the collision, it should cover your injuries. You would also be covered by the car's PIP coverage for your medical bills in the interim if it was carried on the policy.
Answered on Oct 03rd, 2012 at 2:40 PM
Brain Injury Attorney serving Baton Rouge, LA
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The Lucky Law Firm, PLC
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It he driver was excluded, then typically it is as though there was no insurance on the vehicle. There are some exceptions though.
Answered on Oct 03rd, 2012 at 2:39 PM
Personal Injury Attorney serving Marietta, GA
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Law Office of Ronald Arthur Lowry
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Auto liability policies cover acts of negligence and actually protect the insured driver from lawsuits/judgments not the injured party. If there was an exclusion in place that excluded that driver from driving the insurer will undoubtedly take the legal position that there is no liability insurance coverage for this event under the policy at issue. There are ways around that but they are way too complicated to discuss here. Also, you need to investigate whether there is Uninsured Motorist coverage under some other policy that would provide insurance for this event. You need an attorney who is an expert at insurance coverage matters
Answered on Oct 02nd, 2012 at 6:42 PM
Not if the driver was an excluded driver. However if you live with family and they have a policy or if you have your own auto insurance policy it may well cover you under the uninsured motorist portion
Answered on Oct 02nd, 2012 at 6:41 PM
Ronald A. Steinberg
Absolutely, but ONLY if the driver had the permission of the owner to drive the car. If it was not a "permitted use," then the insurance company will not pay you voluntarily. You will need a lawyer to go after the owner for negligence which resulted in the driver getting the keys and using the car.
Answered on Oct 02nd, 2012 at 6:41 PM
Steven D. Dunnings
Yes, it should.
Answered on Oct 02nd, 2012 at 6:40 PM
Bankruptcy Law Attorney serving Livingston, NJ
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Law Office of Stuart M. Nachbar, P.C.
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It should cover you as a passenger.
Answered on Oct 02nd, 2012 at 6:40 PM
Personal Injury Attorney serving Charlotte, NC
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Paul Whitfield and Associates P.A.
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If you are saying the driver was insured, the driver was at fault, that you were injured, the answer is sure, you have a good claim
Answered on Oct 02nd, 2012 at 6:39 PM
Personal Injury Attorney serving St. Louis, MO
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The S.E. Farris Law Firm
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If there was insurance, yes, you are covered as a passenger. If you owned a vehicle and there was NOT coverage, your uninsured motorist coverage may apply. You may have other coverage available- contact an attorney immediately.
Answered on Oct 02nd, 2012 at 6:38 PM
Automobile Accidents and Injuries Attorney serving Santa Ana, CA
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Law Offices of Maurice L. Abarr
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In a nutshell, I cannot answer this question without knowing more. If the policy does not cover you, you may need to look for coverage with any Uninsured Motorist coverage that may be available to you. You need to treat the UM insurer as if you were dealing with an adversary because, bottom line, they are.
Answered on Oct 02nd, 2012 at 6:38 PM
Criminal Defense Attorney serving Providence, RI
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The Law Office of Susan Pires
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Yes. You have a claim against the driver.
Answered on Oct 02nd, 2012 at 6:38 PM
Personal Injury Law Attorney serving Naperville, IL
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Law Office of Barry R. Rabovsky
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You should consult an attorney.
Answered on Oct 02nd, 2012 at 6:37 PM
Litigation Attorney serving Olean, NY
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Black, Lyle & Habberfield, LLP
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It should unless you stole the vehicle, etc.
Answered on Oct 02nd, 2012 at 6:37 PM
Civil Litigation Attorney serving Aptos, CA
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Richard E. Damon, P.C.
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I don't understand how the driver can be excluded from the policy. Every insured is covered for negligence, if not drunkenness. What do you mean, you were care slighted?
Answered on Oct 02nd, 2012 at 6:37 PM
Personal Injury — Plaintiff Attorney serving Taylor, MI
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Downriver Injury & Auto Law
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The owner of the car is responsible.
Answered on Oct 02nd, 2012 at 6:36 PM
Personal Injury Attorney serving Portland, OR
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Kaplan Law, LLC
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It should.
Answered on Oct 02nd, 2012 at 6:36 PM