Can someone help me on this?
Bob Brown was recently involved in a minor auto accident. His car was hit from behind, and he, in turn, slammed into the car in front of him. He would like someone to explain his coverage and show him where, in his auto policy, each of his losses might be covered. The explanantion of coverage and the location of coverage should be in general terms for most auto insurance policies, please do not use only your personal auto insurance policy as your guide for your response.
Help him out by doing that for each of the following items.
The cost of a medical checkup for his passenger, Ruth
The front and rear damage to his car
The damage to the car in front of him
The damage to the car behind him
The total amount of liability protection for bodily harm and property damage
here are two reponses:
1)
Bob Brown unfortunately was in a minor auto accident. His passenger, Ruth should be covered for medical payments (Part B). The limits (between $500 and $5000) per person are low but they cover minor medical expenses are regardless of who is at fault. The damage to Bob’s front and rear of his car are covered by collision (part D) regardless of who is at fault. If it is determined that the other driver was responsible then his insurer may seek reimbursement and refund the deductible.
The total amount of liability protection for bodily harm and property damage is covered under (Part A) Liability. There are two different types split liability limit and single liability limit. If Bob has split that the limits are shown as the first number stating the maximum amount the insurer will pay for bodily injury to a single person. The second the maximum amount for all injuries in the accident and the last is the limit for property damage in any given accident. (Numbers can vary but it would look like: 100/300/10) If they policy has single liability than it means that the insurer will pay up to the amount and it would not be divided per.
Each car will place a claim to their own insurance company for their own car so the car in front of him will place a claim to his insurance company and they will in turn try to collect back from Bob’s insurance company. The damage to the car behind him will be paid from his own insurance company. When my insurance company claims he is at fault then it should be paid from his liability portion (part A).
2)
At first glance, this appears to almost be a trick question. Since Mr. Brown was hit from behind, it seems that all of the liability involved in this accident should lie with the driver that hit him and his insurance company. Assuming that this is not a trick question I would advise him as follows.
The cost of a medical checkup for his passenger Ruth would be covered under Part B, the Medical Payments portion of his policy. This is due to the fact that according to Winger and Frasca, the Medical Payments portion of his insurance policy covers injuries sustained by himself, his family, or anyone else riding in his vehicle would be covered by this section regardless of fault.
The damage to Mr. Brown’s car would be covered under Part D, Collision coverage.
The damage to the car in front of Mr. Brown’s car would be covered under Part A, Liability Coverage.
The damage to the car behind him is especially tricky. If it was covered at all be his policy, I would assume that it would be covered under Part D, Collision coverage.
To answer this question for Mr. Brown, I would have to look at his policy and determine his liability limits, either split liability limit or single liability limit. If for example a review of his policy revealed that he had a split liability limit of 100/300/30 I could then tell him that he was covered for a single bodily harm of $100,000, $300,00 for all injuries sustained in an accident, and $30,00 for property damage.
Thankyou for you vote of confidence in me. However, your question is clearly out of my realm. Sorry. And lotsa luck.
thanks pimp
If Bob has full coverage, he has no problem and this goes for the other vehicles involved in the accident.
Sure, I can help you with that!
In general, auto insurance policies have different sections that cover various aspects of a car accident. Let's break down each item and explain where it might be covered in the policy:
1) The cost of a medical checkup for Bob's passenger, Ruth:
This would typically be covered under the Medical Payments (Part B) section of the policy. Medical Payments coverage is designed to cover medical expenses for injuries sustained by the insured, their family members, or anyone riding in their vehicle, regardless of fault.
2) The front and rear damage to Bob's car:
This would be covered under the Collision (Part D) coverage section of the policy. Collision coverage is intended to cover damages to the insured vehicle, regardless of fault. It will pay for the repairs or the actual cash value of the vehicle if it is considered a total loss.
3) The damage to the car in front of Bob's car:
This would typically be covered under the Liability Coverage (Part A) section of the policy. Liability coverage is designed to protect the insured against claims made by others for bodily injury or property damage caused by the insured driver. In this case, if Bob is deemed at fault for the accident, his liability coverage will pay for the damages to the other car.
4) The damage to the car behind Bob's car:
If Bob is determined to be at fault for the accident, the damage to the car behind him would likely be covered by his Liability Coverage (Part A) as well. This section of the policy provides coverage for damages caused to others by the insured driver.
5) The total amount of liability protection for bodily harm and property damage:
The limits for bodily injury and property damage liability coverage can vary depending on the policy. Generally, liability coverage is displayed as three numbers (e.g., 100/300/50). The first number represents the maximum amount the insurer will pay for bodily injury to a single person, the second number represents the maximum amount for all bodily injuries in the accident, and the third number represents the limit for property damage. These limits indicate the total amount of liability protection Bob has for bodily harm and property damage caused by him in an accident.
It's important to note that the specific coverage and limits can vary between insurance policies, so it's essential for Bob to review his own auto insurance policy and consult with his insurance provider to understand the exact coverage in his specific case.
I hope this explanation helps!