Visitor Question

In a Head On Collision While Pregnant…

Submitted By: Kendall (Oklahoma City, OK)

My boyfriend was driving me, my sister, my 2 nieces and my nephew to my other sister’s house. We were doing 45 mph straight down the main street and this women pulls out of a side street on the right side of us straight across the front of us. She got scared or something because she stopped right in front of us and we hit her head on.

I had gotten pulled by the seatbelt so hard it burned me and pushed into my stomach and burned it as well. The airbag hit me right in the chest and my legs got stuck when the car pulled all back then forward. I can’t say much else because as soon as the police got there I was sent away to the hospital due to me being pregnant and my baby not moving or doing anything, and because I was in a lot of pain. The police agreed that the women was responsible for the accident.

Will my boyfriend’s insurance cover all the medical bills? If there is any permanent damage to my baby will I be able to sue this lady? Thanks for any info you can give.

Disclaimer: Our response is not formal legal advice and does not create an attorney-client relationship. It is generic legal information based on the very limited information provided. Do not rely upon the information in our response, or anywhere else on this site, when deciding the proper course of a legal matter. Always get a personalized case review from a local attorney.


Dear Kendall,

Your boyfriend’s insurance should not be used to cover the medical bills particularly since they considered the woman to be at fault. If she has insurance you should be submitting a claim through her insurance.

If, for some reason, you do not wish to submit a claim through hers and you would like to go through your boyfriend’s, be advised that claims often raise the insurance rates of drivers even when they are not at fault.

As far as your second question, you may definitely sue the negligent driver for any permanent damage to your baby. Although babies are fairly protected in their mothers wombs, the post accident OB-GYN care you probably received at the hospital more than likely would have detected any lasting problems for you or your child.

Still, it might be a good idea not to settle any lawsuits or insurance claims until you have given birth and your baby is fully evaluated.

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

Best of luck,

Published: September 3, 2011

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