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My relative was ran over by her own car. In the process her legs are potentially broken, so she sought out immediate medical assistance. She does not have health insurance, but she has car insurance. Does car insurance cover the damages done to her health?

Your relative's car insurance may cover her medical bills, it will depend upon the type of insurance coverages your she has as part of her policy.

If she has personal injury protection (PIP), first party benefits medical or medical payment coverage then likely she would be covered. PIP covers within the specified limits, the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him. The basic coverage for the insured's own injuries on a first-party basis, without regard to fault.

Medical payment covers medical expenses to you and your passengers injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. Does NOT matter who is at fault. Medical payments may also cover policyholders and their family members when they are injured while riding in someone else's car or when they are hit by a car while on foot or bicycling. Coverage is limited to the terms and conditions contained in the policy.

First party benefits (FPB) medical is similar to medical payments coverage and Personal Injury Protection. FPB helps pay for your medical expenses if you or relatives living in your household are injured in an accident. Specific limits and coverages vary by state.

Without knowing the exact details of how your relative was run over by her own car and the coverages and terms on her auto insurance policy we cannot say for certain if her medical expenses will be taken care of by her car insurance company. Have her read through her policy as well as ask her insurance agent about what coverages she may have that will cover for this accident.

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This car insurance answer was last updated 6:02 PM Dec-22.
This claims question was asked 1:42 AM Dec-21-2006.
Rayne requested this car insurance help from CarInsurance.com experts.
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