Can an auto insurance carrier designate their med payments coverage secondary to any other health insurance in CA as a result of an auto loss?
This is sticky, not sure what you mean by 'designate' secondary. Assume you are saying your health insurance has to pay first and med pay picks up what's left? Yes, in some states that is the practice/allowed. Some states allow ''double dipping'' meaning you can collect from both. Contact the Dept. of Insurance for your state, (should be an 800 number) they will be able to tell you. Also look in your policy it will also tell you for sure.
42 people found this useful
Full coverage auto insurance is a policy which covers first party and third party injury to the body or damage to car. It covers physical damages to the car if it has been lea…sed at the time of accident, death or physical injury to the body of people involved in the accident, also property damages caused by the insured person's car to someone's property,
Their is no such thing as full coverage in legal terms. What people refer to when they say that is Physical Damage Coverage for a vehicle. What physical damage coverage breaks… down into 2 parts. Collision Coverage: Does include a deductible, covers the vehicle from damage resulting in a person being at-fault in an accident, and damage has occurred to the vehicle in which it has to be repaired or replaced. This does also protect the vehicle if an accident or damage results from a uninsured motorists or under insured motorists Comprehensive Coverage:(also known as other then collision) Does include a deductible, covers the vehicle from damages due to vehicle that are out of control of the insured. This would be from weather, vandalism, theft, hitting an animal, and etc. Remember, insurance company's insure vehicles of the actual cash amount at that time. If you have a collector car, you would to get collector car insurance, in which their is a stated amount.
"Full coverage" doesn't actually exist-but there are lots of auto insurance options you can choose from to help you feel well protected. When people say full coverage it usual…ly means that they have a combination of insurance types that result in you being covered in almost every situation. This could include liability insurance, comprehensive insurance, uninsured motorist insurance, bodily injury protection and many others.
There are no limits to insurance but there are MINIMUMS you must carry and they are:. $15,000 for Bodily Injury Per Person. $30,000 Maximum Total For Bodily Injury Accident …Per Accident. $5,000 Property Damage
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Li…ability insurance does NOT cover your vehicle damage..
It varies by state to state. It also depends on if your state laws are at-fualt or no fault. In Colorado we're a at-fault state, which means you only required to carry liabili…ty. These limits are 25/50/15. That means 25k per person and 50k for the total accident. That covers hospital bills, if they were to sue you(attorney fee's and court fees, etc), and lost wages and whatever else you might be held responsible for. 15k total property damage. Remember liability only covers damages to a 3rd party. (for example: the person you hit and you were at fault). All other coverages are optional. Such as Medical Payment's, or also known as P.I.P. or personal injury protection. Physical damage coverage for the vehicle is also optional along with towing and rental car reimbursement.
This question is very tough to answer well. I know in PA medical from auto insurance is the first source used to cover a medical expense. If you have a decent health insurance… plan this can provide coverage over top of the medical from your auto.. However,as the deductibles on health care are increasing and many policies have lifetime limits, I would suggest getting a fairly high limit if you are able to afford it, in this category.. Anyone who needs assistance with insurance in PA is welcome to contact me, I work for an independent agency in York PA www.ekmcconkey.com
If Cigna had paid on charges which rightfully should have been paid by the auto insurance, yes. The subrogation would be performed by Cigna's overpayment recovery vendor, acce…nt. This should not make a difference to the patient, as Cigna will cover once the auto insurance coverage is exhausted.
The best way to review your coverages is to contact your Insurance Agent. Your agent can go over the terms and scope of your Insurance Policy with you and answer any question …you may have. Answer: You can find your insurance coverage after determining your damage. You must also be familiar with your entitled insurance coverage mean what are the things that are included in you insurance coverage. You can determince your insurance coverage by completing the docs required for the insurance claim. A detailed procedure link for determining and claiming of insurance is submitted in "Related Link".
The 2 types of insurance serve different purposes, although in one respect, there is some overlap. At its most basic, health insurance is intended to pay to or on behalf of… the insured sums of money for medical bills incurred because of sickness or injury. Auto insurance includes several different coverages. The one most closely like health insurance is frequently referred to as "no fault coverage". It pays a percentage of the insured's medical expenses and lost wages if he/she was injured as a result of an auto collision. Benefits are paid irrespective of who caused the collision. Health insurance is not currently required by law. In contrast, anyone who wishes to register a vehicle is required to comply with the state's "financial responsibility law" which requires the registrant to have and to maintain certain types and amounts of auto insurance.
No, "full coverage" auto insurance is not required by law. All states require some level of car insurance that covers costs if you are responsible for an accident. That wou…ld be called liability insurance and the state minimum coverages dictate how much of it you need to buy. That said, "full coverage" does not actually exist and the phrase generally refers to buying a combination of several insurance types to ensure the most protection.
Auto insurance usually has several components. Not all coverages are purchased by every applicant, but the basic coverages are as follows: Liability insurance provides cove…rage to the named insured and others who are identified by name or by relationship to the named insured in the policy for negligent acts or omissions while operating the insured vehicle. Stated otherwise, if a covered person is legally liable for causing damage to another in the operation of the insured car, the insurer will pay those damages. Because the damages are payable to a third party, liability insurance is often referred to as "third-party coverage". Liability insurance may be for bodily injury or for property damage, and the policy will specify the amount of coverage that is available for each type of damage. Some policies of commercial auto insurance have "combined single limits", which meld bodily injury and property damage coverage into a total available limit. Medical Payments / Personal Injury Protection (PIP) is a form of "first party" coverage because it pays expenses incurred by the insured. Specifically, it pays a portion of the medical expenses and lost wages insured by the insured and others specified in the policy and/or by statute without regard to fault for the collision. The payments may be subject to a deductible. Under-insured / Uninsured (UM) is designed to compensate the named insured or others designated in the policy by name or by their relation to the insured, for bodily injury, and the effects thereof, if the at-fault party did not have bodily injury liability coverage. Because it effectively takes the place of the adverse party's liability coverage, the damages recoverable by the insured or other person to whom the coverage applies may be reduced or eliminated according to the rules of comparative or contributory negligence to which the jurisdiction adheres.
Auto insurance usually has several components. Liability insurance is the limit of how much the insurer will pay on your behalf to someone you injure while driving. Prop…erty damage is the limit of how much the insurer will pay on your behalf to someone on account of damage to their property you cause while driving. Medical Payments / Personal Injury Protection (PIP) pay medical bills up to the limit of the insurance. Fault is not considered. Underinsured / Uninsured (UM) insurance is there for the benefit and protection of the insured in case someone else is at fault and causes injury to the insured. This is very important insurance.
The personal coverage of the insurance depends on the companies. Some companies they cover financial security in case of vehicular accident, which you can use to pay for hospi…tal bills. It is best to be insured, one company that has affordable rates and best rates auto insurance is the insurance60 visit them now.
It is possible to bundle your health insurance with others such as your auto, home, and life insurance. It is not only convenient but you can also save money by bundling all o…f your insurance together.
Call your agent or your insurance company.
All coverages offered in an auto insurance policy have a place and needs for some people. This is certainly not to say that everyone needs every coverage. What you need is a g…ood agent that can explain the available insurance coverages and can help you decide which ones you need an which ones you can do without. You can sit down and evaluate the costs involved and the benefit to you if something happened so that you can decide on an educated basis what is best for you and your family.