Insurance Coverage
For the most part, coverage questions are fairly straightforward. If the driver of the car that injured the Phoenix personal injury lawyer client is covered by liability insurance, the opportunity to be compensated for the clients loss is available.
At issue is the relationship of the actual liable party driver to the person who is the primary insured or the named insured. The named insured is the person or people named in the policy. Note, liability policies cover named insured no matter what car they are driving.
Any by permission person who is using the vehicle insured is covered, a thief would not be covered. At times the permission issue does arise for Phoenix personal injury lawyer. For instance, a teenager lets another teenager drive mom and dad's car without mom and dad's permission. The insurer may argue that in a case like this, there was not sufficient permission and therefore mom and dad's policy does provide coverage in the accident which the unrelated teenager had caused.
In addition, some auto policies exclude an employee using and employer's own car for an exclusive business purpose. In that case though, a person injured in an accident could file a claim for compensation under the relevant business's liability insurance policy.
|
