Car accidents can happen for many reasons, but what if a sudden medical emergency is to blame? Imagine driving through town when, without warning, you lose consciousness or suffer a medical event that causes you to lose control of your vehicle. It’s a terrifying thought, but it raises an important question—will your auto insurance cover the damages? At Stalwart Insurance, serving the greater Pittsburgh, PA region, we help drivers understand how their policy applies in unexpected situations like these.
How Insurance Handles Medical Emergencies Behind the Wheel
If a medical emergency leads to an accident, coverage will depend on the details of your auto insurance policy. Most standard policies include liability coverage, which helps pay for injuries and damages to others if you’re at fault. However, proving that a medical emergency was unavoidable can sometimes shift liability. In some cases, the driver may not be held responsible if they had no prior indication that the emergency might occur.
Personal injury protection (PIP) or medical payment coverage can also help cover medical bills for you and your passengers regardless of fault. If your policy includes collision coverage, it may help repair or replace your vehicle after the accident.
Preventing Coverage Issues
Insurance companies may investigate medical-related accidents to determine whether the driver had a known condition that should have prevented them from driving. Coverage could be challenged if a condition was previously diagnosed and left unmanaged. This is why reviewing your policy and discussing any concerns with your insurer is essential.
For expert guidance on auto insurance and the protection you need, contact Stalwart Insurance, providing auto insurance products in the Pittsburgh, PA neighborhood. We’re here to help you navigate your policy with confidence.
