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 recently injured. He was hurt 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’s health insurance deductible was $300, which they would have to pay. Of course, there would be more bills to come. Our client was happily surprised when we told her that her family’s auto insurance will actually cover the entire medical expense.

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Injured Working on Car

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


No-Fault car insurance pays medical bills and wage loss regardless of fault. An actual crash is not required. If a person is injured in any way that has to do with the car, this coverage applies. The injury does not have to be to the owner of the vehicle. Injury while performing maintenance on a car is included in the insurance coverage.Also, making this type of claim will not make your insurance rates go up, because you did not cause a crash.

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 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.