Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jan 22, 2013

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Insurance Question from Myrtle Beach, SC

Asked on 01/22/2013

my daughter was in a car with 2 other friends one of them driving and on their fathers insurance. The girl driving the car was turning at a green light with on coming traffic which had the right of way..anyway my daughter and friends was hit by a delivery truck it was her friends fault..and all three was injured with cervical strain, fractured hand and busted lip, strained lower back and shoulder...will they get paid for pain and suffering even though it was my daughters friends fault?

Answer given on November 22, 2013

In an auto accident the owner of the car’s insurance company will handle the claim for damages and injuries to the parties in the car. If your daughter was injured along with another friend the insurance company will assess the injuries. The policy limits will determine how much can and will be received by your daughter and friend. Many policies have a “per person” limit for bodily injury. This is the most that can be collected by one person for injuries, including pain and suffering. There is also a per accident limit, this is the most that will be paid out by the insurance company for all injuries, so if there are more people injured than the limits can cover, then each will receive less. Your insurance policy could provide some additional coverage if you have medical payments coverage and/or underinsured motorist coverage. Check into these coverages if the amount offered by the other insurance company is not sufficient to cover your daughter’s injuries.


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