Do my body injury liability auto insurance cover my wife if we are in a accident and there is no fault

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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: Apr 14, 2015

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Insurance Question from Lake Los Angeles, CA

Asked on 04/14/2015

Do my body injury liability auto insurance cover my wife if we are in a accident and there is no fault NULL

Answer given on April 27, 2015

If you are in an auto accident that is not your fault and you and/or your wife are injured, your bodily injury coverage will not pay for your injuries.If the other party has car insurance, then you should file a claim with that insurance company and they should pay for your injuries, your wife’s injuries as well as any damage to your car. If they do not have car insurance then you can file a claim under your policy for injuries under your medical payments coverage and under the uninsured/underinsured motorist coverage. Damage to your car would be paid under collision coverage, if you have it, or could pay under your uninsured motorist property damage coverage. Even if your insurance company pays for injuries and, your rates will not be affected if the accident is not your fault.Talk to your insurance agent or company about the claim and have them open the claim on your behalf, or talk to the other driver’s insurance company.

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