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Medical Expenses After Hitting a Deer

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/01/2015

Medical expenses work differently if they come from your own car insurance policy.

Question: I was hurt when I hit a deer, is there compensation available besides just medical? Pain and suffering from Traumatic Rotator Cuff Tear?

Answer: Pain and suffering payments are made to someone to compensate for the negligence of the other person because of the life interruption and pain they caused. This type of payment is never made to you from your own insurance policy because you cannot compensate yourself for your own negligence.

So in this case, the only payments that would be made under your medical expenses would be to pay for your medical payments.

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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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