Overexerted while unloading cargo
Overexertion may show up on the NHTSA list as the third most common non-crash car injury, with an estimated 68,000 individuals complaining of it annually, but it is a stretch to get your car insurance to cover it.
Likely your auto insurance provider would say it was a self-inflicted injury that you could have prevented by pacing yourself and that it wasn’t directly related to the operation of your car – for instance, if you overexert yourself loading or unloading cargo from your vehicle.
However, if you overexert yourself pushing a disabled vehicle off the road, this may be covered by PIP since it could be seen as an unfortunate event arising out of the ownership and use of your vehicle.