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Can My Wife File a Claim Against Our Liability Coverage for Her Accident Injuries?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 07/25/2012

Accident injuries covered under liability insurance is only for a specific group of people.

Liability insurance is on your insurance policy to cover incidents that you are liable for. This means that it covers injuries and damage that you cause to other people. Anyone in your vehicle or on your insurance policy do not qualify for this coverage.

Injuries for people in your vehicle are paid for under the following coverages:

• Medical Payments

Personal Injury Protection

• Uninsured/Underinsured Motorist Coverage

If you don’t have any of these coverages, the accident injuries for those in your car or on your policy are covered by the other insurance company or by your health insurance.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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