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.

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

My dad was judged to be at fault in a car accident here in San Francisco, California. Would our car insurance settle the whole amount of the damages my father needs to pay?

Guine

San Francisco, CA

If you didn’t scrimp on car insurance, you should have at least some level of financial backing from your car insurance provider in paying whatever damages and obligations (this would range from hospital and medical costs, rehabilitation expenses, economic or income loss, property damages and even payment for suffering and pain on the injured party’s end.) that needs to be paid by your father. Whether or not you will be provided the full amount depends on the coverage ceiling set by your car insurance company when you’re father signed the agreement.

There are a lot of people out there are not familiar with how their insurance would work once involved in a car accident. Some think that just because they have “insurance” that they will be covered completely. Normally, most peoples auto liability insurance coverage (which should fall greater than or equal to the minimum required coverage amount by the state of California (that is 15/30/5, $15,000 coverage for injuries per person per accident, $30,000 total limit for all injured person per accident and $5,000 for damages to property) are enough for minor car accidents and injuries. But if you’re father is obligated to pay full in a major car accident than you would want to get in touch with your insurance provider there in Sacramento. If you’re father got an umbrella policy than this should be quite enough to cover him even if it is a major car accident he caused.

What do car insurance providers mean when they talk about liability insurance coverage and limits? I plan to get my new vehicle here in Napa, California insured and I would like to be well informed. Thanks!

Aaron

Napa, CA

Hello Aaron! Liability Insurance is a form of car insurance protection giving you financial coverage from monetary obligations arising from injuries, economic losses, deaths and property damages that you may have caused in a car accident. This is actually one of the most important types of insurance you would want to get for your car there in Napa, California. There are three basic types of liability insurance:

1. Bodily Injury Liability – pays for treatment of injuries you may have caused to another person in an auto accident. This also covers for medical expenses, legal and even funeral expenses as well as lost wages to the other party.

2. Personal Injury Liability – Is a “No-Fault” insurance coverage that pays for treatment of your injuries. Even if you were the one to cause the accident.

3. Property Damage Liability – As stated, this pays for repair or replacement of damages you may have caused to private or public property in a car accident.

Most states that require car owners to have auto insurance coverage also have minimum levels of coverage that you need to get for liability insurance. For California, the minimum requirements for liability insurance is pegged at 15/30/5 ($15,000 compensation for each person injured per accident, $30,000 limit for all people injured per accident and $5,000 for property damages). It is highly advisable that you get as much as you can afford since car accident costs can easily far exceed the state minimum limits which you’ll have to then shoulder out of your own pocket.