If medical insurance will not cover injuries from an auto accident why do they ask if you have it and then limit your coverage?
Medical insurance should cover any injuries substained no matter how they were caused.
Health insurance is only responsible (in most cases) for what your car insurance and the third party involved's insurance does not pay. Legally, car insurance is primary over health insurance.
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Does the liability coverage on your auto insurance cover you against a liability exposure if you are at fault in an accident and a passenger in your car is killed in the accident?
It should, up to the amount of the policy. It is possible that your liability could exceed that amount, particularly if you had only "legal minimum". And I suppose there could… be some situations spelled out in your policy, maybe DUI or commission of a crime, that might create an exception. There may also be an issue if the passenger is a member of your household. #2 answ: Better read your insurance policy. Most liability insurance covers ONLY the person and property of another vehicle and not your own ESPECIALLY if you are at fault. . In the UK - the answer is simple. Your insurance will cover you for all injuries including a fatality to a passenger in your car. If there was a deliberate act your motor insurer may wish to recoup any compensation payment for the fatality. See the related link entitled "car accidents caused by family members" to see how your insurer might investigate if suspicious circumstances are suspected due to a family relationship.
Do you need to file a claim with your auto insurance if you wish to seek medical coverage for the injuries sustained?
Answer . \nmedical coverage is any out of pocket expenses you incure. If another auto was at fault, you would file under their policy, for Bodily injury
Can you decline Personal Injury Protection Insurance in New Jersey if your health insurance company pays medical expenses from an auto accident?
Answer . \nCall and ask your agent
Answer . If you have an accident in the first 60 days of your policy,, Yes They can cancel your policy
Do you really need ununderinsured motorist coverage if your collision coverage covers the car damage and separate medical insurance covers injury treatment?
Underinsured motorist coverage protects YOU against the other driver not having enough coverage to handle your losses. Say they are at fault and carry 15/30/10 (the minimum in… most states, but even 25/50/20 if you want) - that means any one person they injure is covered for 15K max...to a total of 30K for all injured people - so if you had 3 people in the car the max payout would be 30K - with no one getting more than 15K. Your medical damages are 35K - actually a fairly small amount considering todays costs. He is underinsured...you only get 15...pay the other 20. Your passengers, each of whom had say 25K of medical...they each look to you for the rest too (which because of the 30K max...which you used 15K of, is actually another 35K!). As to your car....he's responsible for at fault damages to property...so if he only carries 10K property damage...and your car is worth 15...start reaching for the checkbook. And if he pushed you into someones else's car, or living room...welll.... The weird thing is without underinsured coverage...presuming your carrying something like 100/300 - your insuring the worthless slug for much more than he is providing for you. Even stranger...if he had no insurance....you would be covered up to your maximums anyway. It is a very inexpensive add on so i can't see why it would be a place to skimp....just increase your deductible to really save something.
It depends upon the state in which the accident occurred. In Louisiana, the statute of limitations that is commonly referred to in other states is known as the 'period of pre…scription'. This is due to the fact that Louisiana operates under a Civil Law Code rather than the more widespread Common Law Code used by many other states. The period of prescription for auto accident claims in Louisiana is one-year from the occurrence. For more information on auto accident claims in Louisiana, visit the link below:
Yes. Under normal circumstances an insurer is obligated to pay liabilities that arise from ownership or operation of a motor vehicle.
Medical bills for yourself and anyone else in your car in case of an accident
No. Homeowners Insurance does not cover Auto accidents. . Auto Insurance covers automobiles. It does not matter if the auto accident was on public or private property.
No. However, you may have provision in it that will pay for your premium if you are unable to work.
Simple if it is a good auto company then your set and will be taken care of if it is a bad auto company they will burn a hole through your wallet simple short: they turn on yo…u
Yes it should, but the auto insurance company may have to pay the medical insurance after the claim is paid.
Yes. Most states require that the registrant of an auto to maintain a type of coverage to pay for his/her own medical expenses and a portion of lost wages as a result of a col…lision. This is generally payable without regard to fault for the collision and is payable under the injured party's own policy. Since fault is not an inssue, it is usually called "no-fault coverage". All policies of insurance have exceptions and exclusions, depending upon the circumstances of the occurrence. Therefore, although coverage is generally provided, the circumstances of a particular case may give the insurer a defense to payment.
1. Most states have a requirement that a registrant of an auto maintain "personal injury protection" (PIP) coverage (altho the name may be different). This is the essence of s…o-called no-fault auto insurance. Essentially, it pays a percentage of the insured's own medical bills and lost wages, up to a maximum amount, arising from an auto collision. It pays those expenses irrespective of fault for the collision. 2. Most insurers also offer a Medical Payments coverage. This is often an optional coverage. It pays an additional amount toward medical expenses , and often coordinates with the PIP coverage. Therefore, if the PIP coverage pays 80% of the medical bills, up to the policy limits, the medical payments coverage will pay the remaining 20% up to its policy limits. 3. If medical expenses exceed #1 and #2, one's major medical insurance is triggered. The auto insurance is "primary" in the sense that its benefits have to be exhausted before major medical insurance is called upon to pay. This is because auto insurance is required by state "financial responsibility laws" and for the further reason that it and the major medical insurance contain "coordination of benefits" provisions making the auto insurance primary. 4. If medical expenses still exceed the total available auto insurance and major medical insurance (including, if there is no major medical insurance), the injured party/insured is personally responsible for unpaid amounts. In this situation, the health care provider frequently is willing to work out payment arrangements. Alternatively, the unpaid amounts may be discharged in bankruptcy, but this is a very drastic step and should be avoided if at all possible.
yes full coverage insurance covers auto repairs. It also covers maintinance and gas costs. Thats right fuktard, full coverage insurance is the only expense you will incure whi…le driving. In some cases they will even pay speeding tickets for you!
Most health insurances should cover an accident injury. It is important to look over one's health policy to ensure that accidents are indeed covered entirely.