Being involved in a car crash is bad enough, but it is worse when involving another member of your family. Maybe your spouse wrecked into you or your child hit your vehicle; whatever the case, this is a difficult position. How does insurance coverage apply in such instances? What are the steps to take following an accident involving you and a family member?
File An Insurance Claim
Making a claim with your insurance company is very important. For example, your spouse hits your vehicle and injures you. Filing a claim against your spouse may increase his or her insurance premiums, but might also provide you access to insurance coverage. This gives you the ability to make a claim for your lost wages, medical bills and other needs related to the accident, despite it being your own family member who hit you.
Even if it’s only damage to your vehicle, making a claim helps prevent you from footing the bill. Such costs could affect your family’s finances significantly in the short term. Although the claim may increase your partner’s insurance premium costs, an intra-family claim could be the right choice for your situation.
Alaskan law provides support for situations like this. Family members are able to assert claims against their own insurance in the event an injury is caused by an intra-family accident. The claim works in the same way it would if someone else hurt you. The difference is it was someone you know and care about who made the mistake that caused you harm.
Accountability is important regardless of who is negligent, and insurance companies need to be fair and pay out compensation when accidents occur. Everyone pays a monthly premium; it’s fair to receive the coverage.
For further information or to schedule a consultation please contact Merdes Law Office, P.C.at 866.452.3741 or visit www.merdes.com.
The Merdes Law Firm has been helping injured Alaskans for more than 30 years. It’s who we are. And while we hope you never need us … We’re here if you do.
