Cantonment, FL asked in Car Accidents for Florida

Q: Can a person have his auto insurance charged for medical expense for an accident that he was in no way involved in?

Grandfather insurance being charged for medical expense for accident of third persons vehicle who didn't have medical. Persons involved is not on his insurance policy but one person listed his address on license. But does not legally live at that address

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2 Lawyer Answers
Peter N. Munsing
Peter N. Munsing
PREMIUM
Answered
  • Personal Injury Lawyer
  • Wyomissing, PA

A: perhaps that person is claiming they are a resident relative?

Notify the insurance

Second, if grandfather not at fault his rates should not be affected by medical claims

If his care wasn't involved I don't see why the insurance would pay. Grandfather should call them.

Gregg M. Hollander
Gregg M. Hollander
PREMIUM
Answered
  • Personal Injury Lawyer
  • Boca Raton, FL
  • Licensed in Florida

A: In order to provide a complete analysis, it is important to have all the facts. What I can tell you is that if a person involved in an auto accident in FL does not own their own car and therefore does not have their own PIP coverage, they can be covered under the PIP coverage of a resident relative who does own a car which is insured. After the injured persons own PIP, a resident relatives PIP, next in line would be the PIP of the vehicle they were occupying at the time of the crash.

As Mr. Munsing pointed out, the grandfather should contact his insurance and cooperate with them. His insurer should conduct a coverage investigation to determine if they will afford coverage and to whom.

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