Driver suffered a heart attack!!

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Fri Feb 09, 2007 10:41 am   Post subject: Driver suffered a heart attack!!  

If a driver has a heart attack and then hits someone head on but dies and the other driver lives but has injuries who is liable? I was told that your insurance may not pay for the other drivers injuries if you black out and cause the accident.


_________________
Register Now to have your Insurance queries solved.
sheila
Guest







PostPosted: Fri Feb 09, 2007 2:05 pm   Post subject:   

That is correct.



It's a question of legal liability and negligence. That is, a person has to have been found negligent in the operation of their vehicle. If the driver had _no_ idea he/she was going to or could have had a heart attack then they did nothing wrong. Therefore they are not liable. However, if the person was at all aware of their condition, then they probably would be held liable. While it does happen, most people just don't have heart attacks out of the blue. They usually have a preexisting condition or are on some type of medication. Remember, some medications have side effects that can cause a heart attack. In that case, the person should know the side effects and as such, knew they could have had a heart attack. Liability then exists.



So it's difficult not to be negligent in suffering a heart attack (or the like) and causing an accident. Basically, if there is _any_ indication that the person knew, or should have known, they _may_ suffer from this condition, then the insurance usually (should) accept liability.

tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 6175

Location: Salt Lake City, UT
375.37 Dollars($)

PostPosted: Fri Feb 09, 2007 5:26 pm   Post subject: Yes its true  

I think it depends on the type of insurance package one has.If the package is only third party,then it means insurance will pay only for the other person injured by the driver but only on condition that the cause of accident is not by natural causes which may include heartattack,earthquake,war and many others.But if it is a comprehensive package,then it means the insurance may pay for both drivers if accident not by natural causes.

stella7
New member
Leave a quick message



Joined: 09 Feb 2007
Posts: 9


3.69 Dollars($)

PostPosted: Sat Feb 10, 2007 11:03 pm   Post subject:   

Who is liable would not change based on the type of policy.


_________________
Register Now to have your Insurance queries solved.
Guest







Quick Reply
Your Name
Subject
Message body
All times are GMT
Page 1 of 1


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused