If your car insurance company’s definition of PIP covers bodily injury that arises out of the ownership, maintenance or use of a motor vehicle, you should be covered if you’re hit by part of your car or a foreign object when working on your vehicle. If you hire someone to work on your vehicle, he should be covered by worker’s comp if injured.
The NHTSA study estimates that 16,000 individuals are harmed each year by foreign objects while working on their cars – think dropping a tool on yourself while working under the car.
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