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Mike Bryant
Mike Bryant
Attorney • (800) 770-7008

Real World Examples Concerning Auto Insurance Coverage: Car hits Buggy

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Over time we have represented a lot of people for all types of automobile collisions. My partner Joe Crumley and I have taught seminars for the Minnesota Association For Justice concerning all sorts of insurance and personal injury issues. Joe and I have authored a number of articles on the topic. Even with that, we still see cases that test the knowledge of even the most most experienced attorneys. The key is being aware and asking the right questions. A couple of stories caught my eye:

  • In Northern Minnesota a buggy was hit by a SUV. The three passengers in the buggy, which included a 3 year old, were taken to the hospital. Some people think that if you’re in a horse-drawn buggy, you can’t get no-fault benefits. This is wrong. Since they were injured by a motor vehicle, they usually have the right to Minnesota no-fault auto insurance benefits. Generally, if they aren’t insured under their own family’s vehicle, they can get coverage from the vehicle that struck them, just the same as any pedestrian.

Each of these cases involve injures, some of which were fatal. We send out our sympathy to everyone involved and don’t intend to lessen the loss by using their tragedy as an example. Each case needs to be looked at individually. There really isn’t a simple straight forward case. Sure the fast draw insurance adjuster will call and try to steer things in that direction. They may offer fast and cheap money. There will even be a group of lawyers that will handle it that way.

The right questions always need to be asked and most importantly answered. I will be looking at many of these issues during the coming months and hope that anyone who has questions, takes the time to ask.