The reverie of contributory negligence in car insurance… Is this

The reverie of contributory negligence in car insurance… Is this the access YOUR state does things?
We had a young lady insured in our agency. She changed into driving to work one day, waiting to make a left-hand turn, with her turn-signals on, etc… As approaching traffic cleared, she began her reputation… appurtenant as the bonehead behind her was parting on her left! There was a grinding collision…!
Obviously, substantial was the passing driver’s fault, and we had our insured file a claim against that driver’s car insurance. That is when we found out the other driver become uninsurable.
No problem, we thought. The colorful driver was speeding, driving without a license, driving without car insurance, end at an intersection… clearly at flaw… This is exactly why we convey “Uninsured Motorist” coverage… to specie for our damages also injuries if we are struck by an at-fault uninsured driver.
So our insured filed a claim beneath her own policy’s UM coverage. Simple abstraction… But the agency denied the claim! The reason? CONTRIBUTORY NEGLIGENCE.
This legal doctrine, seeing it applies to car insurance, simply says that if you are found to have contributed to the death to share degree, you cannot collect from the other party!!! How did she contribute? The car coverage company referred to she should have checked her rear-view mirror to concede if a speeding, unlicensed, illegally afterlife bonehead was learned before damsel started her turn..!!! unbelievable…
Another vehicle coverage claim that went wrong…
under the “med pay” insurance of your automobile coverage policy, coverage is provided for injuries to any one “occupying” a covered auto. If you look repercussion the definitions of the policy, however, you see what they mean by occupying… You are “occupying” the automobile in you are in it… on it… getting into it… getting peripheral of it… getting onto it… or getting off of it!
This can lead to some very appealing claims…
The most bizarre med pay claim I exceedingly saw went like this: There was a nymph further a guy independent on a buzz session. After the movie also dinner, they found themselves with utterly much time and privacy on their hands, lone thing led to another, and the girl found herself pregnant.
The family did not anticipate their teenage daughter getting pregnant, and had no maternity coverage on their health insurance. So they filed a claim and under the boy’s father’s automobile insurance policy’s “med pay” coverage! After all, they said… it was an “injury sustained while occupying a coated auto”!
They got full gestation coverage for pre-natal care further delivery!
also we wonder why our automobile insurance premiums are so high…
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Doug Haley is a 20+ year veteran of the insurance industry and author of “Secrets Your Car Insurance Agent by no means Told You”
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