Imagine you are driving down the road in your used car. It was a good deal, costing a fourth of what a new car would cost, and as a relatively inexpensive vehicle, you forgo collision coverage to save money. At a stoplight, you glance up into the rear-view mirror and a pickup truck is pulling in behind you. Suddenly the back window shatters, you lurch forward and come to rest askew in the lane. You are able to get out of the vehicle, and you notice the driver of the pickup truck is struggling and in clear distress, so you call 911 for an ambulance.
It turns out the other driver had been stung by a bee that had flown into his cab moments before he rear-ended you car. The driver was able to administer his Epi pen and will be OK.
Did you know that in this scenario, the other driver’s insurance may not pay?
Insurance liability covers a myriad of incidents, but there are some instances where the other driver can hit your car but their insurance is not liable to pay for your property damage. They include:
A collision caused by a medical emergency. A heart attack, a bee sting or an episode from an undiagnosed medical condition may be the root cause of the accident. In these cases, the insurance on the vehicle that struck yours may not be required to pay.
Accidents caused by another accident. If a driver that hits your vehicle as a result of another driver that hit theirs, the policy on that vehicle may not have to pay.
You are hit by an emergency vehicle. In the event of a collision between a fire truck, ambulance, or police squad car, the insurance carried by the government may not provide coverage. In most cases gross negligence on the part of the driver of the emergency vehicle must be established in order for the insurance to pay. A good reason to always keep an eye out emergency vehicles and listen for sirens, and to safely yield as soon as you can.
Collisions caused by hitting an animal. If a driver that hits your car was first hit by a deer, there really is nobody at fault – it was a true no-fault accident. The other driver’s insurance may not be obliged to pay for your vehicle.
Accidents that result from another person’s negligence. Ever see something fall off a truck on the road ahead? If you are hit by a driver who swerves to avoid a dresser that falls from an improperly secured load, that driver’s insurance may not be liable.
These scenarios are more common than you might think, and are good reasons to keep collision coverage, even on an older car. Call O’Connor Insurance Agency at 314-434-0038 to talk with one of our independent agents about car insurance coverage, and how to best adjust your policy to meet your needs and budget.