Free DUI Lawyer In California

Reader’s Question:

I have an auto insurance provider here in Los Angeles, California, and I was wondering if In the event I got myself hurt inside my vehicle, but not necessarily while the vehicle was on the road or being driven, would my auto insurance still cover me?

Smith

Los Angeles, CA

This is a very interesting question, whether or not your auto insurance provider there in Los Angeles, California would cover you for treatment of injuries while you were inside your vehicle, and your vehicle was just parked in the driveway or otherwise not being driven on the road, all depends on exactly how you got injured. If you look under your auto insurance agreement you will see that injuries arising from operation of your vehicle, use and maintenance would normally be covered under your insurance coverage. This particular coverage would normally be stipulated under the auto medical, Personal Injury Protection or No Fault Insurance coverage of your policy.

If the injury was self-inflicted, was not related to, or did not occur while operating or performing maintenance on the insured vehicle as determined by further investigations done by the auto insurance company, you probably won’t get covered by your auto insurance but you may be able to get coverage from a medical insurance policy, if you have one.

It may also be interesting to note that the same policies discussed above might not be the same should someone injures him or herself while inside your vehicle. If you manage to get someone injured while inside your vehicle and it was due to the operation or maintenance of your insured vehicle, the auto insurance provider may be able to give compensation or pay for treatment under the liability insurance coverage of your auto insurance agreement.

Tags: advice, auto insurance, auto insurance claims, car insurance, car insurance company

Reader’s Question:

I have not been involved in a car accident yet, and have no plans of being involved in the future, but I want to be prepared and know how to properly file a claim to my insurance company here in Berkeley, California. Any tips?

Dan Paulo

Berkeley, CA

It’s a good idea to be proactive and know how to properly file a car insurance claim if, and when, you get involved in a car accident. Car accidents may come as a shock to most that they forget to do some necessary process, or gather important information about the accident and the parties involved. Some may even find their car insurance provider unhelpful if they weren’t able to take all necessary information such as license plates, names, etc., during the accident, making filing a claim a bigger hassle than it should be. Here’s a list of the actions you need to take if you get involved in a car accident:

Get all the necessary information.
If a car accident involves others, make sure you note down names, vehicle information such as license plates, contact numbers and addresses. This will assist your insurance company in contacting all the people involved to process the necessary insurances or claims to be made.

File a Police Report.
Get in touch with the police department there in Berkeley, California and file the necessary report as soon as possible. Your insurance company will be looking for this when you file your claim.

Call your car insurance agent.
Ask what are the steps you need to do and documents you need to give or fill out to file for a claim. Also consult your policy to see what kind of coverages and bring this policy with you when you meet up with your insurance agent.