Articles Posted in Insurance Claims

Auto insurance protects you, your passengers, your vehicle, and other drivers and their vehicles when you are involved in an accident. After all, that is why we pay for auto insurance–to help us out in the event of an auto accident. But about injuries that are not sustained while you are actually driving, but you are still using the car in some way? For example, could you file a claim against your insurance company if you were burned by your car’s radiator when adding coolant? What about if you slip and fall when you have just parked and are exciting the vehicle? These incidents are auto insurance “edge cases” and auto insurance generally manage to avoid paying these types of claims.

But all of that might be about to change after a recent ruling by the Michigan Supreme Court.

What is “Transportational Use”?

If you’ve ever applied for a new auto insurance policy, you’ve probably been given the option to install a device in your car that tracks your driving habits. These devices are known as “telematics” and almost all major insurance companies now offer them to their customers in exchange for potentially reduced premium rates. The devices attach to the vehicle’s OBD-II port and collect data from your car’s computer. Insurance companies can program them to monitor different metrics, but some of the most common are:

  • Time the car was used
  • Distance driven

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