Slammed hand in car door
The NHTSA study found that an estimated 132,000 people per year are injured while closing a vehicle door. An estimated 2,000 people have a body part injured while closing a window.
If you slam a hand, finger or other body part in a closing car door or window, the injury should be covered if you have personal injury protection (PIP) or medical payments (MedPay) coverage.
In general, PIP will cover bodily injuries that arise out of the ownership, maintenance or use of a motor vehicle. MedPay will typically cover injuries that occur while one is occupying a vehicle, which includes getting into and out of the vehicle.
Car insurance policies do vary, however, depending on state laws and your own car insurance company’s rules, so look for definitions of bodily injury under your PIP and MedPay coverage to determine what coverage you have. Keep in mind, though, that if car insurance covers your injury, that coverage is normally primary while your health insurance is secondary.