If I was in someone elses car, and I FELL off of it, will their insurance rate go up if I make a claim?
Answer:
For sure
Probably, now days they dint need much to make the rates go up for the insured. But the owner of the car is responsible for the accident
I wonder how it is possible to asl a question like this without laughing.
Why would you even make a claim for something so miniscule? That's a little petty isn't it?
In Oregon you would get a ticket for no safty belt and the driver would go to jail for not making sure everyone was belted.
the persons insurance will go up and they might even get a ticket.
Somethings sounds screwy about this. I would be examining this one very carefully if I were the claims adjuster. Be prepared to go under the microscope if you proceed against their insurance company.
The insurance company will only pay if the driver of the car was negligent or at fault. If it was a properly working door and you simply did not fully shut it, they will be reluctant to pay. If the door is known to be working incorrectly, they may well pay up (especially if the owner has medical expenses) just to make it go away and then possibly cancel the owners insurance. If you have health insurance, use that. As a nice gesture the owner of the car could offer to pay the copay or perhaps make a smart remark about closing the door everytime you are in the car.
An auto policy does cover anyone getting into, out of, on top of, and under a vehicle. The coverage would come under the medical payments or Personal Injury Protection (PIP) coverage on the policy. Depending on what state this incident occurred will depend on who's policy pays. Some states you would actually file this under your own insurance, and some states would file this under your friend's policy. If you have sustained any injuries and have seeked medical help, then this should be filed under the auto policy, and yes. it will increase the rates of whomever's policy this falls under.
Listaen to ljn she is right.
You might not be able to. In some states, medical payments must always be paid out of your OWN auto policy, or the policy of a household member, before it can pay out of someone else's policy.
How badly were you injured?? There isn't any liability there, if you closed the door yourself, so you won't get any "pain and suffering" because they didn't cause your injury!!
Yes - the rates will probably go up, this is how the insurance industry prices it's products.
You see - when insurance is sold, the actual cost is not known.
The insurance company can only give an educated guess (made by the Actuary Dept) as to the ultimate cost of any risk.
When the insured has an insured loss, it adds to the experience of the insurance company and this information is used (along with other factors) to set rates.
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