Had a car crash it was my fault i think i have whiplash can i put a claim in for my self and my daughter?

bostonianinmo

If you have medical payments coverage you can file a claim for the medical treatment that you received. Medical payments coverage normally covers you and anyone in your vehicle up to the policy limits.

You cannot sue as you'd have to sue yourself. Only the responsible party can be held accountable for the damages, and that's you. Your insurance company will not cover you for that under your liability coverage, as you are not a third party to the claim. See below for a bit more on that.

Your daughter CAN sue you for damages, however, and your liability coverage may or may not pay for that. Most of the time, liability coverage only covers "third party" liability. You and your household members (and sometimes the occupants of your vehicle) are normally the "first party" and the insurance company is the "second party." Everyone else is the "third party" and they are the ones protected by your liability coverage. Check your policy to see who is covered and what coverages you have.

john r

You cannot , but your daughter can put a claim against you , if she is injured , trouble is you may pay extra on your next premium.

fanella

not if it was your fault no or everyone would be doing it

diamonds

you caused a crash..and want paying for it? - am i reading that right? - give me strength!!

caseyal1

what the.....?

EVIE

Youre daughter could probably claim from you as she was only a passenger. If you are in uk try ringing the national accident helpline they will probably tell you where you stand x

bobbyjoe c

no u cant, but your daughter can

Indy500

Yes - if you want to sue yourself!

Deafro

Your daughter can claim from your insurance as she is a third party.

sweet pea

you can't claim from yourself!!

Clevis D

Only if you have medical insurance -- and only if you were going in reverse at thirty mph.

crazymental

not unless you lie. YOU was at fault. who you gonna claim against? yourself?

fighting saints

It is incredibly tough to give a definitive answer if we do not know what state you are in.

In all states, if you are at-fault, all you are entitled to is having your medical bills paid if you have Med Pay or Personal Injury Protection (PIP) coverage. That is all. You are not entitled to ANY settlement for pain and suffering.

Regarding your daughter, in many states she IS entitled to make a claim for pain and suffering (despite what la42882 says). That is why it is important to tell us what state you are in. As an innocent passenger, in most states your daughter is considered as a third party and entitled to make a pain and suffering claim against your liability policy. This would be in addition to the the Med Pay or PIP claim she can make.

WelshLad

Does your daughter have whiplash?

GIZMO THE CAT

You can't make a claim for whiplash if the accident was your fault. Your daughter could make a claim though. This will result in your car insurance premiums being higher though.

deni

no cos it was your fault, you would only end up paying yourself

mjsw17

Not only do you cause the crash you want to add insult to injury by suing the innocent party!

your daughter can sue you however.

BettyBoop

Call and ask your insurance agent - not the claims department. They can let you know what kind of coverage you have.

Either way you and your daughter should be checked out by a doctor very soon, both for your health and for any claim that you might eventually make.

General Info
Liability Only Coverage - Only covers the other guy.

Comprehensive Coverage - Will cover anyone you hit as well as covering you. Your deductible and limits will apply.

You don't know what you qualify for until you ask.

Thats what insurance is for..It pays so much for bodily injury, either party. But keep in mind, your rates will rise.

la428282

You MAY have first party injury coverage on your policy (contrary to what other people on here say- your daughter is NOT third party... she cannot claim 3rd party benefits) First party coverage for injuries NEVER pays pain and suffering... it will cover at most (if you have it) your medical bills.

You need to just call and check if you have injury coverage. I cannot stress enough though- you and your daughter are not eligible for any "pain and suffering" money on an accident you caused.

dede

your car insurance should pay or it...understand that your rates are going to go up

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