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Does health insurance cover you in a DUI accident if its your fault?


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Answered 2011-02-15 02:50:52

It depends on what type of insurance policy you have. Some states have the "no-fault" insurance policies wherein the insured party may be compensated regardless of who is At Fault in the accident.

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You need a life insurance policy to cover the risk of death and a health insurance policy as a cushion against hospitalisation expenses. Buy Personal Accident Insurance Coverage :


Property damage liability car insurance will cover the individuals car and property that you hit. It will not cover anything to do with your vehicle if the accident is your fault.



You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.


Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.


When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.


This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.


Auto insurance, and if you are hurt by the accident, then health insurance too, but you will need health insurance for the second to file a claim for injuries, and health insurance is optional. Auto insurance is required by law. If it is someone else's fault however, then they must pay for all the damage to you, your car, and themselves.


Yes, but only as a secondary coverage to all other auto insurance claims you might have (like bodily injury liability against the at fault driver or personal injury protection coverage in no-fault states).


You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.


Liability insurance pays for someone else's damages if an accident is your fault but won't cover your vehicle. Full coverage provides liability insurance as above but will also cover your damages to your own vehicle in an accident regardless of whose at fault, as well as theft, fire, etc.


No, Liability covers damage and injury to another party if you are at fault in an accidentComprehensive insurance would cover fire losses


He may be at fault for not having insurance. He may or may not be at fault for the accident. Whether or not a driver carries insurance is a separate issue than the one concerning who is at fault in an accident. Do not confuse them or let them overlap. A good, objective assessor won't.


In case of an accident that is the health professionals fault. There is also malpractice insurance that is available to health care professionals. So, basically to cover themselves incase of a law suit. hope this helps.


Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.


If you were at fault, your insurance co will cover the damages to the other vehicle ONLY, not your....and vise virsa.



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.


no-fault insurance Provides coverage if you, a family member, or your passengers are injured or killed in a covered accident involving a driver who doesn't have insurance at all or who doesn't have enough insurance to cover the damage they cause you.


The vehicle at fault would normally use their insurance. If their insurance does not cover the damage or the police considered the accident a non fault, the car stopped at the light will have to pay for their own vehicle.


No. If the accident was your fault, you can not get money from the other person's car insurance.


Not if it is deemed to be 100% the other drivers fault and they have insurance.


You will probably receive a citation for driving while suspended. If you were not at fault for the accident, the other party involved should have insurance that will cover your loss or damage that resulted in the accident. It is a good thing that you were not at fault in this accident.


State farm does not cover your pet if you are in an at fault accident, however, if you are involved in an accident in which it is the other driver's fault, pets fall under property damage and their bills would be paid by the other driver's insurance company. On a side note, Progressive offers $1,000 for pets if you have a collision policy with them. As for State Farm, you'd be best off getting a Pet Insurance policy ( From a different company ) that would cover them for an accident no matter what type it is.


It is really based on whether the accident was at fault or not at fault. If it was not at fault, it usually will not increase.



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