Injured jumping off the back of my friend's parked truck...

by Jeff
(Murray, UT USA)

I was cleaning snow out of the bed of my friend's truck. When finished, it was difficult to get back on the ground, as the truck has no tailgate. So I jumped into the snow and tore the ligaments and cartilage in my knee. I might need surgery. This happened in Denver, CO a few days ago.

I was thinking about moving there, so the truck was put into my name as a gift. Is there any way I can get medical coverage for my injuries? Is this a homeowners claim or auto insurance claim? Thanks for any info you can give.

Visitor Question:
Disclaimer: Information provided in our response is NOT formal legal advice. It is generic legal information based on the very limited information provided. Under no circumstances should the information in our response, or anywhere else on this site be relied upon when deciding the proper course of a legal matter. Our response does NOT create an attorney-client relationship. Always get a formal case review from a licensed attorney in your area.

ANSWER for "Injured jumping off the back of my friend's parked truck...":

Jeff (Murray, UT USA):

You will have much better luck filing a homeowners claim than you would filing an injury claim under your friend’s automobile liability policy. To be compensated for an injury under the homeowners claim you would not need to prove your friend was negligent. Instead, you would only have to prove the injury occurred.

The State of Utah follows the No-Fault rule. That means drivers injured in car accidents must turn to their own insurance companies for compensation even if it is clear the other driver was negligent. With that said, you will not be covered under your auto policy on the gifted truck, as the injury occurred before the truck was transferred into your name.

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from an attorney licensed in your state. Find a local attorney to give you a free case review here, or call (888) 647-2490.

Best of luck,

Judge Calisi

P.S. Please help us out by sharing this site...

Click here to post comments

Return to Homeowners Coverage Questions.

How Much Is Your Claim Worth?

Find out now with a FREE case review from an attorney...

How Much Are Your
Injuries Worth?

Find out with a
free attorney review:

TYPE OF ACCIDENT
AUTO ACCIDENT
PERSONAL INJURY
WORKERS COMPENSATION
MEDICAL ERROR
YES! I WANT FAIR COMPENSATION