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.
If you have an auto accident and you do not have auto insurance with medical payments coverage for your injuries and medical costs, you may need to research the coverages available through your medical insurance policy. If you are not at fault for the accident that caused you injury, and the third party insurance provider has taken responsibility for the accident, the at fault party's liability insurance should pay for medical injuries up to the limits on their policy. Because you do not have insurance, receiving a claim payout might require more work because you do not have an adjuster working for you. If you were at fault for the accident and you do not have auto insurance, you will need to speak with a representative from your medical insurance company to discuss the coverage provided under that policy. You may have a co-pay or a percentage you are responsible for depending on if you have an HMO or PPO.
If you have both medical insurance and auto insurance, the primary company billed will depend on the situation. If your injuries and medical costs were caused by an auto accident and you carry Medical Payments coverage, you will bill your auto insurance provider. If you do not carry Med Pay insurance coverage, as it is optional in the state of California, the circumstances will depend on who is deemed at fault for the accident. If the other party is at fault, you will bill their insurance company and will advise your claims adjuster as well. If you are deemed at fault and do not carry Med Pay, the only insurance you can bill is your medical insurance provider. Be sure your medical insurance provider does not exclude injuries caused in an automobile accident before approving chiropractic care.
I think you are referring to PIP coverage? There may be some states that surcharge if you do not have medical insurance as PIP pays for injuries, or death in an auto accident. Most states and insurance companies offer a discount if you do have medical insurance as your medical insurance can also pay for your injuries. Many PIP policies only pay a % of injuries up to a maximum of $10,000.
If you put medical insurance on the policy when the policy was purchased.
Usually your own insurance.
Answer 1: If you are driving with a passenger that does not have auto insurance or medical insurance, they can be covered under either your policy or the third party's policy depending upon the situation. If you are found at fault for the accident, Medical Payments or Personal Injury Protection will pay the a portion of the medical expenses that you and your passengers incur up to the stated limits. If you carry Uninsured Motorist and are hit by someone with no insurance, this coverage will pay for injuries to you and your passengers as well. If you are not at-fault for the accident causing injuries and the other party has insurance, the third party liability insurance coverage will pay for injuries to you and your passengers based on the per person and per accident limits stated on the policy.Answer 2: If the passengers are travelling in your auto and, if you are at fault in an accident, your insurance will cover them. If the other driver is found at fault, his/her liability insurance will cover your passengers.
Ok, Personal Injury Protection, (PIP), is the name of the coverage which pays for your injuries after a car accident, it is something we sign up for when we start our car insurance policies. In order to figure out if you have Personal Injury Protection, start with a call to your insurance company. They can tell you in this first call if you have medical coverage for your injuries.
C. medical
Medical bills for yourself and anyone else in your car in case of an accident
Medical bills for yourself and anyone else in your car in case of an accident
The only coverage on an auto policy that covers costs for you and your passengers medical expenses is Med Pay Coverage. You health insurance will also pay for injuries. Med Pay is an optional coverage but will pay for an accident involving an automobile even when not in your car.
Liability and medical insurance.