Take a situation like a “drive by” shooting, where the innocent victim is in his/her car, and the assailants use their car as an intrinsic part of the assault, rather than just the location of the shooting. Believe it or not, this kind of situation could end up being covered by the auto insurance policy on either the assailant’s vehicle, or if they were uninsured, by the uninsured motorist coverage on the victim’s car. Again, the key is to show that the car was more than just the location of the shooting, but was a part of the assault itself. Of course, if the shooting victim dies, then the wrongful death laws would apply, and if he/she were on the job, then it would be a workers’ compensation claim along with a third party liability claim. A person who is not represented by an injury attorney would have a hard time navigating through these issues, so make sure you contact a competent accident lawyer if you face any such issues.
1. Drive Less for and get a discount
Some carriers will discount your premium with a low-mileage discount if you drive less than 7,500 miles per year. Also ask your agent if you can receive a commuter discount for using public transportation.
Collision Coverage covers damage to your vehicle if your car hits or is hit by another vehicle, less your deductible.