LITTLE OR NO AUTO INSURANCE COVERAGE FOR INTENTIONAL DAMAGE
Did you know that auto insurance in Minnesota generally only covers accidents but not an intentional act? One of our accident attorneys had a call from someone today who was in her car when she was hit by a drunk driver. It was a road rage incident and the drunk driver was mad and hit her intentionally. Because car insurance only covers an accident, the driver’s insurance will not pay anything for the caller’s car damage or shoulder injury. Fortunately, the caller had collision coverage on her car that will still cover her car damage. However, any coverage for her injuries, other than a limited amount of medical bills, will not be covered by either his auto insurance policy or her auto policy because he did it on purpose. This doesn’t mean the person who called us can’t sue the drunk driver who intentionally hit her; she can still sue him for her car damage and her injuries. The problem is that without car insurance, she may have a difficult time collecting any judgment she is awarded. At least he was arrested and will be prosecuted.
In that particular case it sounded like the drunk driver really was trying to hurt the person. However, in many cases, the facts are less clear. Sometimes a person intends their action but does not necessarily actually intend to hurt anyone. This can give our lawyers the opportunity to still get car insurance coverage for the injured victim.
If you are in a car accident in MN, you are welcome to call us and speak with a lawyer for a free consultation to learn your rights. To read more about drunk driving accidents click here. http://rochlinlaw.com/drunk-driving-accidents.