Fully Comp Insurance

[Legolassie]

Does fully comp insurance cover the driver for injuries in an accident even if it is their fault? My sister had an accident a while ago - she crossed a junction - road clear. A driver sped down the road from nowhere and hit her in the side of her car and pushed her into another car that was waiting on the other side of the road. At the time all the witnesses said it was the speeding drivers fault. However within a day they changed their minds and blamed my sister. She was quite badly injured but her insurance says she cant calim. Can ayone tell me why?

[tigwig]

your sister could phone her insurance company and find out why. You say the road was clear but if the car hit her it can't have been unless the speeding driver came suddenly round a blind corner.

[Yorks lad]

the skid marks on the road will tell the police how fast the other car was going and i guess the police measured the skid marks and dicided your sister was to blame.

The answer to your question is if your sister is thought to be 100% to blame then she has no claim on the other drivers insurance at all.

So she needs to find out what blame was attached to your sister really but in any case the insured can only claim from the other drivers insurance company

Hope this helps

[Ethel]

For your sister to successfully make a claim for personal injury she would have to prove the person responsible was driving either negligently or carelessly.

She would be suing herself if she is to blame. No insurance company is ever going to cover a driver for that. Motor insurance covers third party personal injury, not the insured.

[Legolassie]

Hi tigwig, The driver came over the brow of a hill. He actually pulled his car over over the wrong way, instead of trying to avoid her he drove into her. The police didn't look for skid marks or anything. They originally went off what the driver said - the onethat she was pushed into. The driver at fault was Asian and the driver she was pushed into was Asian and to top it all, all the witnesses were as well. It just appeared to me that when it came to hey lads hey, they sided with the driver even though they had told the police it was his fault.

[muppeteer]

your question was why can she claim for injuries. if you could claim for injuries in a fault accident lots of people would go around crashing on purpose for money.
you cannot legally claim off yourself
as long as the accident does not go 100% against her she should be able to claim a proportionate percentage of an injury compensation claim

[Legolassie]

Thanks everyon for your replies. It was not classed as 100% her fault but I think she was just scared to go ahead with a claim. Thank you again.