I have run into this question a number of times and no one knows the answer. Would you find it interesting to know that this answer really depends on the language of your contract with your insurance company? I didn’t think so. However, this is exactly how it is. I can tell you generally that insurance can follow your car and you. Here are a couple examples to show the situations where your car insurance can benefit you from a couple case examples I have come across as a Seattle personal injury lawyer for car accident victims.
Will my insurance cover me if I am hit by another car while I am a pedestrian or riding my bike to pay for my medical bills up front?
Yes, in fact your car insurance personal injury protection coverage will cover your medical bills if you are struck by another car. However, did you know if they have PIP insurance as well, you will get whatever coverage plan they have in addition to your car insurance. Their insurance PIP plan will actually be primary if you are a pedestrian or bicyclist. Most people don’t know that the defendant’s insurance will not cover your medical bills until you settle your case leaving you with either no treatment or large collection bills that negatively affect your credit.
Will my insurance cover my son if he drives my car but he is not named on the policy?
Yes, in fact your car insurance will generally cover anyone that drives your car with your permission and anyone inside your car. They will have the benefit of both your liability insurance as well as your PIP insurance to cover your medical bills.
Will my insurance cover me if I am a passenger in another person’s car?
Yes, your PIP insurance would be secondary to the driver or owner of the car.
Will my insurance cover me if I am driving another person’s car?
Generally, your insurance is for your car but there are some situations where your insurance could cover you in the car you are driving. This is why people generally use their own insurance when they use a rental car. It covers not only your car but also rental cars as well in certain circumstances. This is because it is meant to be a temporary vehicle.
Will my insurance cover a car that I just bought but haven’t registered with my insurance?
Generally, your insurance will only cover that new car for a short duration before you need to apply for coverage on it or add it to an existing plan. It will cover your new car even if it is a used car. Each policy is different but generally I believe it is about one month’s time. You should always add your new car immediately though.
It is really nice to know that your car insurance can actually be used in a number of situations where most people would not really think of their insurance coming into play and protecting them. If you have been injured in a car accident, you need a Seattle personal injury lawyer to represent you right now before you lose your rights. Contact me today for a free consultation.