Making Claims Against Friends and Family (and Under their Insurance Policies)

It may seem counter-intuitive.  But if you get hurt chances are pretty good that someone you know is going to be responsible.

A lot of clients would rather not make a claim against a friend or family member.  They’re worried about relationships and increased rates.

Definitely valid concerns.  But working through the realities of insurance and insurance claims usually helps.  Here’s the breakdown:

People purchase insurance for two reasons: (1) to protect themselves (financially) and (2) to make sure if they hurt someone that the injured person is compensated.

And it’s important to remember that your friend or family member has been paying insurance premiums for years to make sure that they have coverage just in case this type of accident occurs.  Auto insurance provides coverage for car accidents.  Homeowner’s provides coverage for just about everything else.

If you don’t make a claim the only one who wins is the insurance company.  The insurance company has been collecting premiums for years and doesn’t have to pay anything out.  That doesn’t make sense.  It isn’t fair to you and ultimately it isn’t fair to your friends and family.

If you’ve been injured in a car accident with a parent of a buddy has stumbled and knocked you off a roof, you should talk to a lawyer who understand insurance and personal injury.

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