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Yes, your Health insurance can provide coverage for injuries received in an auto accident beyond what may have already been covered through an automobile insurance policy. Your health insurance however is specific to you and the covered persons under your policy. It will not pay for property damage or liabilities for injuries to others.
Yes, there is a such thing as Accident only Insurance coverage. Accidental only insurance coverage covers any accident that leads to injuries that result to loss of limps, eye sight or life.
Accident only insurance coverage is a type of insurance that those who are hospitalized for injuries and other disabiling work related causes. All are eligible except those who are eligible for Medicare.
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.
The insurers of the driver who was deemed to be at fault for the accident.
Some common automobile accident injuries include broken bones, fractured bones, lacerations, internal injuries, spine, neck, and back injuries, and traumatic brain injuries.
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.
Someone's health insurance is not going to cover any injuries in an auto accident. That covered by the insurance on the vehicle. Since there wasn't any, it would appear the victim(s) only recourse would be to sue. And hope they can collect any judgment they might be awarded. Health Insurance WILL most definitely cover injuries resulting from an automobile accident. Some motoe vehicle insurance policies even have a "health insurance primary" option. The questions was how to determine which is primary , the health insurance or the insured drivers motor vehicle coverage
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.
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.
No, you cannot sue your insurance company for injuries....actuallly, I take that back. You can sue anybody for anything...but in this case, you would not win. Your policy should have a coverage called Uninsured Motorist Coverage. Typically, this would cover the injured parties in your vehicle if the accident was caused by an uninsured driver. This would cover your injuries in such an incident. Unfortunately, this coverage is not discussed by most insurance agents and is included as an afterthought. Be sure to check your policy and see if this is there. You should never have a lower Uninsured Motorist coverage than your Bodily Injury amount.
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.