Accidents and Insurance

Types of Insurance  The insurance related to accidents and the resulting injuries would be casualty insurance, such as life and health insurance, and liability insurance.  If you have been injured, your casualty insurance company, if any, should be obligated to reimburse and compensate you for your covered losses.  And if your injury was caused by someone else, usually that other person's liability insurance company should compensate you for any harm not covered by your own casualty insurance company.  However, you may have to sue and have a court determine whether the other person was actually at fault for your injury.  Automobile insurance often works this way if there is a question of fault in an accident.  The law in this area is controlled largely by your state.

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Auto Injuries (children)

One out of four of all occupant deaths among children ages 0 to 14 years involve a drinking driver. More than two-thirds of these fatally injured children ride with the drinking drivers (Shults 2004)

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