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The following real life auto insurance examples should help answer any questions you might have...and perhaps even test your knowledge.
· OOPS! What a Mess
· The Company Car OOPS!
What a Mess
Jan Green was late for an appointment and the lights were against her. She was increasingly frustrated as every light turned red before her. Finally, as the last light on her route was turning from yellow to red, Jan decided to floor it and try to squeeze by. Unfortunately her luck ran out and instead, Jan ran into a car traveling in the other direction. Both cars were damaged, but even worse, both drivers had to be taken to the hospital. Jan suffered cuts, bruises and a broken leg. The other driver, Ron Arlen, sustained back injuries.
What did Jan's automobile insurance cover?
Since the police officer at the scene (as well as the witnesses to the accident) determined that Jan was at fault, her insurance had to pay both Jan's and Ron's expenses. That included:
· all costs to repair Ron's vehicle
· the cost to return Jan's car to working condition, minus her Collision deductible. (Jan was lucky that the damage did not exceed the "blue book" value of her car. Had her car been totaled, she would only have received a check for the car's value and she might have had to pay more out of her own pocket, to purchase a new car.
· hospital bills incurred at the emergency room for services like giving Jan stitches and setting her broken leg
· fees associated with paying for Ron's lawsuit against Jan. The final award ($87,000) took into consideration the cost of Ron's hospital expenses, back injury treatments, his pain and suffering and loss of work.
The Company Car
Victor Martinez is a sales representative for AJP Corporation and has a company car. Last week, while he was on vacation, his personal car wouldn't start. Victor had some important errands to run, so he used his company car instead. On the way home, he took his eyes off the road for a second and hit a utility pole, damaging the pole and the car. The accident was Victor's fault.
Will Victor's personal auto insurance policy pay for the damage?
Victor's personal auto insurance policy will not pay for the damage to the pole or to the company car. At the time of the accident, he was driving a car - the company car - that was furnished and available for his regular use. The company car is not covered by his personal auto policy, but he may be covered under his company's auto insurance policy.
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