Hello! I can’t find information on this situation anywhere and so I’m hoping someone here might have some insight.
Yesterday I was driving with some friends and at one point the car in front of me slammed on their brakes. My car went into “pre-collision assist” and basically completely stopped. I had been going roughly 20-30 mph and had begun to slow down (and I believe I had room to fully stop but that might be another conversation).
All three of us in the car were extremely startled by the abrupt stop, but the one in the passenger seat immediately noted some neck discomfort and told me they had to stay home from work today due to neck pain.
Since it was not an accident, is there anyway to get my insurance involved for this? Important to add that they haven’t gone to the doctor yet but I just want to be informed about how to handle this situation.
Wondering if anyone has insight on this type of situation?
Passenger might have whiplash without an accident
byu/Royal_Ad380 inInsurance
Posted by Royal_Ad380
3 Comments
This would be considered an occurrence under the policy as the injury happened in your vehicle. It really just depends on your state and the coverages you have as to what might apply.
>Since it was not an accident, is there anyway to get my insurance involved for this?
there doesn’t need to be a collision for your insurance to have coverage. it pays for the sums you become legally obligated to pay for an accident (broader meaning) arising from your ownership, maintenance or use of the vehicle. if you are accused of causing their injury because you were going too fast and abruptly braked, your insurer should still be able to respond.
Some friends.
I would contact my insurance immediately and then decline to discuss the matter at all with anyone but your insurance company or a lawyer hired by them.