No. Collision coverage pays for the physical damage to your own car, subject to any deductible.
Medicals are paid by a separate coverage-sometimes called Personal Injury Protection, but it may be called by a different name depending upon the State involved. It is what is generically called No Fault coverage. It pays a percentage of your medicals and lost wages if you are infured in an auto collision irrespective of fault. As such, it is a form of "first party" coverage that you maintain on yourself.
That depends on your insurance coverage. If you have collision coverage, your insurance will cover your damages. If do not have that coverage and don't have the other vehicle license plate, unfortunately, you're stuck with all the bills.
No. Homeowners Insurance typically do not provide liability coverage for criminal acts. Your medical insurance is a good source of coverage for health care needs.
One thing that new drivers may be surprised about is how many different kinds of car insurance coverage there are. This is no different in the state of Texas. Many new Texan drivers may wonder what collision coverage is. To help, below is an explanation of how Texas collision car insurance works. Collision coverage is a kind of insurance coverage that comes standard in most car insurance policies. This is no different for many Texas policies. Collision coverage is designed to provide a driver protection if that driver were to ever hit another car on the road or a stationary object. Collision coverage is different from other forms of insurance due to the fact it is designed only to protect a driver's own vehicle. If a car hits a telephone pole, for example, the collision coverage could be used to pay for repairs made to that vehicle. The coverage, however, will not pay for repairs made to another driver's car in a multiple car accident. Collision coverage will not pay for a person's medical bills or the medical bills of anyone else harmed in an accident. Those bills must be paid using a policy's PIP or BIL coverage. Collision coverage will also not pay for damage done to any other kind of property. If a car crash damages a person's residence, for instance, another form of coverage must be used to pay for those expenses. However, in Texas, collision coverage cannot actually be purchased on its own like in other states. It can only be purchased as part of comprehensive car insurance coverage. Comprehensive coverage covers many things in addition to collisions. It is also used to protect a driver in case the vehicle is damaged by an "act of God." Such an act would include damage from severe weather. If the windshield of a car is broken by especially large hail, the comprehensive coverage can be used to pay for the repair bills. In Texas, this coverage also covers any time a car is damaged in a collision. However, this is not always the case in other states. Comprehensive coverage is actually optional in the state. For this reason, a person can choose not to have comprehensive and collision coverage. However, this is probably not a wise idea. If any damage were to happen to the vehicle due to a collision or an act of god, the driver would be left to pay for those expenses out of pocket.
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
No. The medical payments to others coverage specifically excludes medical coverage for the named insureds and any houshold members. Health insurance is the only coverage that will cover this type of loss.
If you have collision coverage on your car, your insurance co will pay for your damages. However, if you don't have such coverage, you're stuck with all bills.
Collision insurance will cover the damages to your vehicle- no matter who is at fault. Uninsured coverage is used if the other vehicle is at fault for the accident and you and/or anyone in your car is injured. This coverage will typically pay for related medical bills, loss wages, and general damages (i.e pain and suffering). Liability = Other vehicle damage Injuries to driver/passenger in other vehicle Injuries to passengers in your vehicle if you are at fault Collision/Comprehensive = Cover damages to your car Uninsured/Under-insured = Injuries to you or your passengers when another vehicle is at fault and does not have insurance or has minimum coverage
Medicare has nothing to do with auto insurance. Medicare is a Federal program of medical care for the elderly. During one's working life, Medicare taxes are paid to provide the benefit upon retirement or disability. What you may be referring to is "medical payments coverage". It is a a coverage provided by auto policies that is available to pay a portion another party's medical bills in the event of a collision in which he/she is injured.
well it depends where u live as auto insurance differs everywhere. But here in Ontario, when a person hits you and drives off or has no insurance, it goes under your Uninsured auto mobile coverage. and it has very limited coverage for Medical bills, and fixing ur vehicle up to 25,000 if it was a person with no insurance. if its a hit and run then u have to pay the damages to your car out of pocket. or make a claim under your collision coverage.
Medical bills for yourself and anyone else in the car in the case of an accident- apex
If you have a health insurance policy (Medical Insurance) it will pick up where your auto coverage left off.