The Syracuse Post Standard reported the other day that an SUV struck a Syracuse man “on purpose” after an argument on Westcott Street Tuesday morning. Fortunately, the injuries do not appear serious; the victim suffered only cuts to his arm and leg and was taken to Upstate University Hospital.
Here’s my blog topic for today: Will a New York State car accident insurance policy cover the man’s medical expenses or anything else for that matter? Answer: No! Why not? Because this is not a New York motor vehicle “accident” case. It is a New York motor vehicle ASSAULT case. An accident is a mistake. This was no mistake. It was deliberate. No liability or car insurance on God’s earth covers for motor vehicle assaults. The reason is simple: Insurance companies don’t want people buying insurance policies so they can go out and deliberately bowl people over, and force the insurance company to pay!
Even if the victim owns his own car, his own SUM (supplemental uninsured motorist) coverage won’t cover his injuries here, again because it was an “assault”, not an “accident”. To summarize: He can forget about auto insurance coverage of any kind!