MEDICAL AUTO INSURANCE FOR INJURY WORKING ON CAR OR USING CAR – MN LAWYER
We recently had a call from a client about her case. While talking, she mentioned that her son was injured while working on something in the trunk of a car. A friend was trying to help and somehow the truck was pushed down into her son’s head, requiring 10 stitches. The emergency room bill was about $800 and the family was going to have to pay over $300 of that out of their pocket because of their health insurance, and there would be more bills to come. She was happily surprised when we explained to her that her family’s auto insurance will actually cover the medical expense.
People often think that car insurance only covers crashes, but it actually covers more than that. For example, if you have comprehensive coverage, your auto insurance will pay if your car is damaged in a storm or because of a fire. But most people don’t realize that their No-Fault medical coverage applies not only to a car accident but also to an injury that occurs while working on the car, and other situations where the car is involved as well. No-Fault coverage in an auto policy provides medical insurance coverage and wage loss coverage if an insured person (doesn’t have to be the driver) is injured in a way that has to do with the car. Injury while performing maintenance on a car is definitely included in the insurance coverage, and making this type of claim (where you are not at fault in causing an accident) will not make your insurance rates go up. Other examples would include getting fingers crushed in a slammed car door, injury while changing a tire, and many others.
If you have been injured in an accident while working on or repairing a car or some other way involving a vehicle in Minnesota, please call us and speak with a lawyer for a free consultation.