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Who pays for pain and suffering when the person responsible for the car accident doesn't have enough insurance to even pay for your medical bills?
Wiki User
∙ 12y ago
generally, it would be from your "uninsured/under-insured motorist" coverage. You wind up suing your own insurance company to collect. If the uninsured motorist coverage on your personal auto policy is not enough, you may also be able to tap the uninsured motorist coverage under your umbrella policy (if you have one). Now, if you live in a "no-fault" state you can tap the "personal injury protection" or something similar (different states call if different things). If you are in this situation, I'd highly suggest you consult an experienced lawyer.
AnswerYou would have to sue the responsible party in the accident for pain and suffering.If they are insured for liability and you can prove pain and suffering in court, then their insurance company would pay a court judgement up to the policy limits.
If they are not insured for it then you would first have to pay your own lawyer expenses and you could get a judgement against the responsible driver with which you could then seek wage garnishments and property liens to recoup your loss.
Wiki User
∙ 12y ago
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What if someone is driving your car and they get into an accident and get hurt and they do not have car insurance is the owners insurance responsible for medical for the injured driver and damages?
You guessed it!
If no auto insurance will medical insurance pay?
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.
Does the insurance company pay medical bills if involved in an accident?
Depending on the type of accident and sometimes who is responsible but generally yes. Please, next time, read the fine print of your contract.
Is a wife responsible for a medical debt of her husband's in Ohio if he was on her medical insurance and is now deceased?
Yes, she will be held responsible. The primary insurance holder is always responsible for the medical costs under
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.
Car insurance can coverage medical payment on motorcycle accident?
If you put medical insurance on the policy when the policy was purchased.
Will your medical insurance cover you in an auto accident?
Yes it should, but the auto insurance company may have to pay the medical insurance after the claim is paid.
In the divorce you responsible foare your childrens medical insurance but you lose your job are you still responsible for their insurance?
You are still responsible for their insurance, when you get another job that has it available. If there is no insurance right now, most of the time you would be responsible for half of any medical bills that are acquired while they were uninsured.
What insurance provides medical and property damage coverage if you are in an accident with someone who does not have insurance?
Usually your own insurance.
In California if you do not have auto insurance and you are involved in an accident that is not your fault does the insured at fault have to pay your medical and or pain and suffering?
California law restricts owners and operators of motor vehicles injured in a motor vehicle accident from recovering compensation for pain, suffering, inconvenience, physical impairment, disfigurement, and other non-pecuniary damages if the injured person was not insured at the time of the accident
Do car insurance give you the money to medical bills?
If you have medical payments in your insurance. Liability only does not pay medical benefits. And the medical bills have to be the result of an auto accident.
Does health insurance cover bodily injury in an accident?
Different states and policies can have different benefits and coverages. Health insurance will cover medical costs related to an auto accident but in most states they are secondary to automobile insurance. This means that the auto insurance will be responsible for payment first and health insurance will pay after that. If the health insurance company goes ahead and pays the claim or at least the first few bills then you receive payment of file for payments on the auto insurance you will be responsible for reimbursement to the health insurer.
