CHILD INJURED IN PARENT’S CAR CAN USE OTHER PARENT’S AUTO INSURANCE

If an under-age child is injured in a car accident, he or she can get compensation through their parents’ auto insurance policy. But what if the child’s parents don’t live together and have joint custody? This is a very common situation in Minnesota. Our lawyers have represented many children where the parents are divorced or were never married. Fortunately, the answer is favorable for the child. If a child’s parents live in separate homes, Minnesota law says the child can get car insurance benefits from either parents’ policy. The only requirement is that the child must ‘live’ at both homes.

For example, if a child is injured while a passenger in a friend’s car, No Fault Benefits (initial medical bills) can be paid by either parents’ auto insurance policy. No-Fault auto insurance will pay for the child’s first $20,000 in medical bills at least. If the child had a part-time job, No-Fault insurance will also reimburse lost wages. The parent’s insurance rates will not go up because of a child’s claim.

Child Injured Car Accident Parent's Insurance — Child Injured Car Accident Parent’s Insurance

What if the child is injured in a car accident in one of the parent’s car? The same rule applies. The child can get auto insurance benefits from either parents’, or possibly both parents’, auto policies. The child can get insurance compensation even if the parent driving was at fault. It seems weird to ‘sue’ the parent. However, it is allowed so that the child can be more fully compensated. Medical bills must be paid, and there may be future needs.

LAWYERS FOR CHILD INJURED IN CAR ACCIDENT

Car accident insurance issues can be complicated when a child lives part-time with each parent. However, our lawyers have dealt with this many times. We can help you work through these issues. If your child has been injured in a car accident in MN, call us for a free consultation. An experienced attorney can discuss your specific situation with you. We will explain your rights and make sure your child’s interests are protected. We have offices to meet at throughout the Twin Cities. Our lawyers also make house calls to people’s homes throughout Minnesota.