Bob Brown Was Recently Involved in a Minor Auto Accident

Where this will be found in the policy will depend on what insurance carrier wrote the policy. Coverage re: The cost of a medical checkup for his passenger, Ruth If Bob is fully insured, he likely has Medical Payment Coverage within his insurance. This type of coverage typically protects drivers like Bob and his passengers. This coverage allows Bob and his passengers to receive payment for reasonable and necessary medical treatment for bodily injury caused by a covered accident, regardless of who was at fault. Generally the treatment includes, but is not limited to, x-rays, surgery, ambulance, physicians, hospital, and funeral expenses. Coverage re: The front and rear damage to his car Since Bob was hit from behind, the driver who hit him is responsible for that damage. So, Bob would file a claim against the other driver's insurance to have the rear of his car fixed. (He could file the claim with his insurance company and his company could go after (seek reimbursement from) the rear-ending party's insurance company. However, in some instances it is preferable just to go directly through the offending party's insurance company.)

However, the accident caused Bob to hit another car. Since Bob now hit another car from behind, he presumably by law, is responsible for the damage to the car he hit. This presumption will apply with the accusation that the accident happened because Bob was following too close. However, if Bob can show that he was an adequate distance behind the car and the car behind him hit him as such an excessive speed that propelled him into the car in front of him, through no cause of his own, he may overcome the legal presumption. For any accidents that are determined to be Bob's fault, he may seek payment under the Liability Provisions in his policy. The Liability provision typically covers the driver, in this case Bob, paying for property damage, bodily injury, medical services, disease, loss of income and death to parties that bob has injured. The...