auto insurance indianapolis in

Deliberate accident and UM coverage?

Here’s one for adjusters or agents: According to the morning paper, yesterday a woman attempting suicide deliberately rammed another vehicle on the interstate near Indianapolis, causing that vehicle to go off the road and roll, injuring its driver. The woman ran away, but was caught quickly, while the other driver was airlifted to the hospital. My question–since auto insurance does not cover deliberate damage or injury, would her company be justified in denying the claimj? Would the second driver’s UM coverage come into play, assuning he has it?

……IF… the insurance company does not cover deliberate damage, then the second driver should use their own insurance, whether it be UM or collision or both. She may be first required to pay any deductible she may have chosen but she will be covered. Her insurance will work things out. That is just one of the services we buy when when we pay for insurance.