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: Aug 6, 2012

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Insurance Question from Lawncrest, PA

Asked on 08/06/2012

My trucks frame is rusted so if im driving down the road and it breaks will insurance cover it? My frame is rusted and lets say im driving down the road and something breaks, will my insurance cover it? I have full insurance.

Answer given on August 06, 2012

Auto insurance is intended to cover an accidental loss to your vehicle (if you have physical damage coverage) and liability coverage if you cause damage or injury to someone else. If you know your vehicle needs repairs, you would not be covered for the damage to the vehicle. If you are expecting your insurance company to pay to repair your vehicle due to the frame being rusted, you will find that your insurance will not pay for the damages to the vehicle.If it is determined you knew your vehicle was unsafe to drive and you cause an accident due to the condition of the vehicle, you could be held responsible by the insurance company. They will pay for any damage or injuries caused by an accident, but if the insurance company determines you knew the car was unsafe to drive they could come back to you to reimburse them for the damages your vehicle caused.


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