I was injured in a car crash that was not my fault. Why should my car insurance pay for that?

Your insurance policy covers your injuries in a car crash, at least until fault has been decided.

Q: My injuries were caused by someone else’s negligence. Why should MY insurance pay for my treatment?

A: In car crash injury cases, the primary insurance for the first two years or $15,000 in medical treatment is typically your own auto insurance policy’s PIP (Personal Injury Protection) coverage. And, if PIP runs out or otherwise stops paying, it’s most common for one’s own health insurance to cover treatment until the at fault party (or their insurance) either settles or is found liable in court. At that time, both your auto insurer’s PIP payments and your health insurer’s accident-related medical costs are reimbursable to the insurer(s). This is something most people don’t realize and can be an unwelcome trap if you settle with the at fault driver’s insurance too early, without the help of a lawyer. If you settle without reimbursing the insurers’ “subrogation” (the insurers’ right to be repaid by the at-fault party for your treatment paid for by your insurer), you can be forced to repay that money. KB Law are specialists in these issues. Call us to find out more.