Injured Working On Car Using Car Medical Insurance


A lawyer in our office recently had a call from a client about her case.  While talking, the client mentioned that her son was injured while working on something in the trunk of a car.  The son’s friend was trying to help, and somehow pushed the trunk hood down into her son’s head. Her son required 10 stitches from this accident, and the emergency room bill was about $800.  The family has a health insurance deductible and was going to have to pay over $300 of that out of their pocket. Of course, there would be more bills to come. Our client was happily surprised when we explained to her that her family’s auto insurance will actually cover the entire medical expense.

Injured Working on Car
Injured Working on Car

People often think that auto insurance only covers crashes and car accidents, 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.  Auto insurance will pay medical bills for most any injury that occurs because of a car.


No-Fault coverage in an auto policy provides medical insurance coverage and wage loss coverage regardless of fault. An actual crash is not required. If a person (doesn’t have to be the driver or owner) is injured in any way that has to do with the car, this coverage applies. Injury while performing maintenance on a car is definitely included in the insurance coverage.  Making this type of claim (where you are not at fault in causing a car 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 other situations. Our MN attorneys have represented people injured when they fell out of a car because the door was not closed properly. We have also represented someone who fell off of a car trunk they were sitting on when the driver suddenly started driving.

If you have been injured in an accident while working on or repairing a car, or some other way involving a vehicle in Minnesota, there may be auto insurance coverage. Call us and speak with a lawyer for a free consultation. We will discuss your case with you and advise you of your rights.