If (when) they file a claim against your auto liability insurance, the carrier will investigate the crash and will pay for any costs that they deem that you are liable to pay as a result of your involvement in the crash.
This one seems very suspicious and it’s likely that the insurance company’s Special Investigations Unit (SIU) (aka the fraud investigators) will be involved as it doesn’t sound like a “crash” like this would be very likely to send 3 people to the ER.
One thing that folks fail to understand is that insurance companies don’t just act as a piggy bank to help us handle the sticky situations that we sometimes find ourselves in.
They also provide protection and defense.
If someone is trying to scam you and/or them, they take that very seriously.
Or, perhaps the occupants of the vehicle that you hit all have severe medical issues. The problem is that everyone is different and it’s hard for us judge that.
Hopefully, everything will turn out okay in this situation.
But, if the company does decide to pay the ER charges and close the claim, you won’t owe anything out of pocket.
The place where you will likely get penalized on this one is when your auto insurance comes up for renewal.
You’ll now have an at fault accident with a payment showing up on your CLUE (Comprehensive Loss Underwriting Exchange) report.
This report is used with your MVR (Motor Vehicle Record) to give insurance companies an idea of how safely you drive.
The MVR works on violations. The CLUE report works on losses/accidents/crashes, etc.
Once the company’s system reviews your information, it may decide that you’re more risky than you were previously and your insurance rate will be increased.
After all, you did cause the loss.
If this does occur and you’re looking for some relief on the premium, you can always ask your insurance agent (assuming that you have one) to see about having a Personal Lines Underwriter at the insurance company review your rate increase and decide if the increase was warranted.
Maybe they will and maybe they won’t. But, you can always ask. If your record has been otherwise clean and this is your first loss with the company, chances are it will be changed back if they understand the situation and if your agent will go to bat for you.