Question
This afternoon my son was involved in a 2 vehicle crash. The car he was a passenger in was totaled.
The guy driving was test driving the car. It was not his. He was also speeding. The guy they hit was pulling out of a blind driveway. Both drivers couldn't see each other until it was too late.
My son was seen and released from the hospital with (at this time) no signs of serious injury.
Who's insurance will cover this? Because I sure don't want to foot the bill for the Emergency Room visit.ˇ
Answer
Hoss,
Sorry to hear about your son. These types of things are just heart-wrenching.
I cannot give you specifics, but hopefully I can give you enough info to persue things on your end.
The most important thing you can do is to notify your auto insurance agent of the situation and ask them to advise you on how you should proceed. Each state has very specific guidelines for claims and it would be in your best interest to allow your agent the opportunity to provide you with the service you've already paid for.
Now, who's going to pay for the ER bill? Let's see if we can give you some avenues to persue.
First, was the car in which your son was riding insured by it's owner? If so, that would be the first place to start.
Second, did the driver of the car you son was in have auto insurance? If so, that would be the second place to go.
In many states, insurance follows the vehicle first then the car second.
Third, if the party pulling out of the driveway was cited or at least considered at-fault by the police report, that would be the third place to go.
Get a copy of the police report and keep it in a safe place. You'll be referring it to in the future. Keep good records regarding this incident, document phone conversations with date, time and name of person and company they represent. Keep copies of all documents you forward to any of the insurance providers. Be sure to let your health insurance carrier know this was a vehicle accident. They may pay the medical bills and seek reimbursement from the other parties.
Fourth, if none of the above have insurance and/or enough coverage to pay your medical bills, you should check your auto policy for Uninsured Motorist and/or Underinsured Motorist coverage.
I hope all goes well for you and your son.
Connie
NOTHING IN THIS POST SHOULD BE CONSTRUED TO IMPLY A CLIENT/AGENT RELATIONSHIP. THIS INFORMATION IS BEING PROVIDED AS A GUIDELINE. EACH STATE AND POLICY HAS SPECIFIC TERMS AND CONDITIONS THAT MAY BE GOVERNED BY VARIOS JURISDICTIONS. CONSULT WITH AN INSURANCE PROFESSIONAL IN YOUR STATE.
Answer
Thanks Connie!:
Answer
Hoss,
Hope this helps. Please let us know the outcome.