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If you fall out of your car are you covered?

VN:R_U [1.9.1_1087]
+6 (6 votes)

The driver became nauseous while driving and pulled over because he felt that he was going to get sick. He put the car in park, leaving the engine running. He unbuckled his seat belt and leaned out the driver’s door to vomit. He passed out and feel forward onto the ground, striking his head and suffering significant injuries. His bills for this incident were in excess of $10,000.00 and he filed a claim for Personal Injury Protection (PIP) under his auto coverage. The claim was denied because the carrier stated that since the car was not “being operated as a motor vehicle” when parked and therefore the policyholder was not entitled to the PIP coverage. The policyholder sued the carrier for breach of contract. The court held in favor of the carrier. Maybe if he hadn’t parked the car and still gotten sick…

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