The Bryant Law Firm
Don't Wait. Call 713-364-0507 Today.
Se Habla EspaƱol
Menu Contact

What happens if the other driver hits your car on purpose?

Walking through a crowded store or on a busy sidewalk, many people may become frustrated and feel tense and angry. According to WebMD, aggression is a natural response to crowding. When it comes to vehicles, that anger can translate into road rage.

Once a driver loses control, everyone in the vicinity may be in danger. If the driver intentionally hits another vehicle, a new problem arises: The driver's insurance will probably not pay for the accident.

Auto insurance exclusions

Typically, auto insurance covers the expenses caused by a motor vehicle accident, such as damage to the vehicle, medical expenses, lost wages, etc. However, when a driver crashes into another vehicle on purpose, it is no longer an "accident." By this reasoning, there may not be any coverage. Insurance companies do not generally rely on an implication, though. Most policies explicitly state they will not cover damages caused by a driver engaged in risky or criminal behavior.

Options for the victim

The outcome for the victim is very similar to what would happen in a crash with an uninsured driver. The victim may sue the driver for damages, and the court may order the driver to liquidate assets to pay the award. It is also possible the judge will decide to penalize the other driver by awarding punitive damages in addition to monetary and non-monetary damages. 

In the meantime, the victim's auto insurance may cover many of the expenses if he or she has a policy that includes personal injury protection. Even if he or she has not purchased PIP, there may still be options available through the insurance company, depending on the policy's fine print. In addition, people find that their health insurance policy will cover many of the medical expenses.

No Comments

Leave a comment
Comment Information
We Understand. Let Us Help.
State Bar of Texas | Created in 1939 United States Court of Appeals | Fifth Circuit United States District Court | Southern District of Texas Board Certified | Texas Board of Legal Specialization | Personal Injury Trial Law

Get Answers. Schedule A Free Consultation.

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Email Us For A Response

Office Location
2751 S Loop 336 West
Suite B
Conroe, TX 77304

Phone: 713-364-0507
Fax: 713-980-0701
Conroe Law Office Map

Houston Office
801 Congress
Suite 250
Houston, TX 77002

Phone: 713-364-0507
Fax: 713-980-0701
Houston Law Office Map