Car accidents can happen just about anywhere, even at home. You may be backing out of the garage and end up hitting a child or your grandma. You may run over your dad’s foot as you he tries guiding you into your parallel parking spot.
According to figures from the National Highway Traffic Safety Administration’s Not-in-Traffic Surveillance (NITS) report for 2014, the annual average of fatalities from non-traffic motor vehicle crashes was 1,621 between 2008 and 2011. The report further showed that the annual average of people injured in these accidents was 91,000. 35 percent of those injured were not occupants of the vehicles at the time of the accident.
Common Causes of Non-Traffic Accidents
According to the report, the most injuries and fatalities to pedestrians occurred as a result of:
- Forward moving vehicles
- Unattended rollaway vehicles
- Backing vehicles
Many car accidents in and away from traffic occur as a result of distracted driving. Distraction.gov defines this type of driving as driving while your attention is diverted away from the primary task of driving. Drivers today are more distracted than ever. According to figures published on the government website, 431,000 people were injured and 3,179 people died in motor vehicle accidents in which drivers were distracted. Distracted driving includes: texting, talking and eating.
What Happens When You Hit Grandma?
What happens when you accidentally back into your grandmother or run over a neighbor’s foot? Will your insurance cover the medical expenses associated with the injury?
This depends on the type of insurance coverage you have. Drivers are required by law to have liability car insurance. This type of insurance covers expenses for damage or injuries for which you are held liable. There are two types of liability coverage:
- Property damage: This insurance covers any damage that your vehicle causes to other vehicles or other people’s property.
- Bodily injury: This insurance covers medical expenses incurred as a result of care given for injuries that resulted in a car accident that you’re responsible for.
How Bodily Injury Liability Coverage Works
Bodily injury liability coverage ensures that you’re protected financially in the event of an accident that results in physical injuries to other people. Your insurance provider will cover the medical expenses related to any injuries that you are deemed liable for. This ranges from minor bumps and bruises to more serious injuries and even death.
This insurance coverage will help pay for medical expenses as well as funeral expenses to any person killed in an accident whether it is in traffic or not. The coverage will pay for:
- Pain and suffering
- Medical care including crutches
- Lost income
- Long term nursing care
The amount awarded for pain and suffering has to be determined by a court. It will depend on the physical or emotional stress that the injuries sustained or the accident caused the victim.
It is important to note that this insurance does not cover any injuries that you sustain in the accident. If you don’t have comprehensive auto insurance or medical insurance, you will have to pay for your own injuries out of pocket.
How to Find Bodily Injury Insurance
Bodily injury insurance coverage is available from all major auto insurance providers. It is therefore important to shop around to find coverage that meets your needs with these tips:
- Be sure to compare car insurance quotes online to determine whether the insurance policy you’re considering offers the best rate.
- Ensure that you select cover that has a high bodily injury liability limit to protect your finances in the event of an accident.
If you don’t have adequate liability coverage to pay for the injuries resulting from an accident that you are responsible for, you may be susceptible to lawsuits. This will put your finances and assets (including your home) at risk.
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