@Mame,
Mame wrote:
What she meant, and I see I didn't convey it properly, is it has to be the result of a vehicle incident. Not a people incident, but the vehicle. Yes, if you were driving and got into an accident, you'd be covered. But if your husband broke your nose while you're in the car, you wouldn't.
We have the same laws re: responsible serving of alcohol. And if you caused an accident while DUI, they would pay out the claim to the other vehicle and any occupants, but your insurance would be cancelled and they wouldn't cover your damages.
I like that analogy. Husband and wife sitting in a car and he reaches over and breaks her nose it is no liability on the insurance policy.
The only way I can possibly see an insurance company being liable is if an Uber or Lyft driver has a passenger in the car and the driver stops to pick up a friend since "they're going that way" and the friend injures the passenger then I could possibly see the insurance company maybe stepping in, maybe. But these two idiots decided to pull over and have unprotected sex and she caught HPV. That does not rise to the level of liability on the part of the insurance company.
