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Personal Perspective


By September 1, 2013No Comments

Strokes, heart attacks, seizures, undiagnosed diabetic comas, or other medical emergencies trigger auto accidents every day.

If you suffer a medical emergency while driving, an Auto policy can provide financial protection against your losses.

Consider these scenarios:

You have a medical crisis behind the wheel that injures another driver and damages their vehicle. Depending on the circumstances, your insurance company might or might not cover a Bodily Injury Liability or Property Damage claim. Many states allow a medical emergency defense against Liability claims, provided the driver hasn’t had previous health problems or shown negligence (for example, if a diabetic hadn’t taken insulin and went into a coma behind the wheel).

You experience a medical emergency while driving and damage your own car – say by running into a sign pole. Repairs will be paid by your Collision coverage, if you carry it (Bear in mind that many drivers, especially those with older cars, choose not to buy Collision insurance).

Your car is damaged by a driver who has a medical emergency. In most cases, the other driver’s Liability insurance will pay for the repair. However, if the driver’s insurance company decides that he or she isn’t liable for the accident, your Collision coverage will pick up the tab.

An Auto policy will remain in effect after a medical emergency because insurance follows the car, not the driver. Depending on the nature of the problem, a doctor might recommend that you don’t drive anymore. If your doctor OKs driving after you recover, the insurance company can raise your rates, impose a premium surcharge, or not renew your policy when it expires.

To learn more about how Auto insurance can help protect your pocketbook, just give us a call. We’re always ready to help!