Will insurance pay for a hit on the head with the hatch?

Answer 1

Major Medical CoverageThis type of injury not being the result of a motor vehicle accident, would be best addressed through your Major Medical Carrier or HMO. Assuming that you hit yourself on the headIf you have medical coverage on your policy you could file a claim.

If you have only liability insurance then it would not apply. this is because it is not possible to be legally liable to oneself.

Someone else was hit on the headAgain, you may try filing a claim if you have medical coverage on your policy. But, your liability coverage would likely not invoke because that coverage tends to apply to a car in motion. Not when it is parked. Manufacturer Responsibility?This question could apply to that fine idea of nitrogen shocks that hold hood and hatch lids up, that commonly fail in colder weather causing the hatch lid of a vehicle to fall and hit one in the head.

As the other answer stated, not covered by a vehicle policy and you would have to use the medical coverage you have. If this is the situation you are referring to, you could try recovering for damages if you don't have a health insurer, by attempting to sue the manufacturer of the vehicle or the manufacturer of the nitrogen filled shock absorber, but the trick would be to find an attorney that would take such a case, and you would also have to pay out of pocket for an expert that could support the dangers of design and just to what extent you are injured.

The only reason I bring this up, is that it is quite common to have these shocks on cars to hold trunk lids, hatch lids and hoods up and to see this junk fail

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