Q: I HAVE UNINSURED, UNDERINSURED AND MEDICAL ON MY INS. MY 16 YR OLD SHOT CAUSING ACCIDENT. WILL MEDICAL BE COVERED?
MY SON WAS SHOT FROM ANOTHER VEHICLE BEHIND HIM CAUSING HIM TO WRECK INTO A SCHOOL. IS MY UNINSURED, UNDERINSURED AND MEDICAL SUPPOSED TO PAY
A: Provided that your son was a "licensed driver," it should be covered to the policy limits. This is an unusual claim.
A: You would want to speak with a member of the Ind. Assn for Justice --they give free consults. The problem is that the shooter's insurance won't cover because it's an intentional act. Your insurance may or may not , and then it's a question of state law as to if they have to. Some underininsured and uninsured policies exclude intentional acts.
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