Auto Insurance Claims: full coverage 20/40 car insurance, full coverage, car insurance

Question
if i had full coverage on my car for 4days someone drove my car & i was the passager & they total my car i broke my hip stayed in the hospital for 4dayz am i covered?

Answer
Hello, you "should" be covered. But there will be an investigation.

1. very close to the time you full coverage. An adjuster will have to look a that.
2. Why are you not driving your car
3. Reason for the accident... Is it a covered accident?

That is the type of investigation you should encountered. Coverage will depend on the investigation of the adjuster.

Thanks.