The most well known alcohol help group (Alcoholic Anonymous) is available everyday in large cities and costs nothing. If the alcoholic is motivated to recover it is an excellent resource. I know because it worked for me. I have not had a drink in over 13 years old.
Esure insurance offers four different types of insurance - Home, Travel, Pet and Car. Home insurance is normally building and or contents, travel insurance covers medical costs abroad, pet insurance covers vets fees and medications, and car insurance covers your car repairs in the event of an accident.
Technically, your buddy covers the medical expenses. He might be able to have his medical insurance cover it depending on the injuries AND as long as he DOES NOT mention that he got hurt while on the bike. Once he says that the doctors will not treat him for those injuries because they can't bill med insurance.. Medical insurance companies don't want to be paying for injuries that happened on an auto.
The coverages of medicare or medicaid are determined by a panel of experts consisting of medical personnel, actuaries, valuers of the respective Insurance Company. This panel of experts determines how many coverages can be admitted in a particular medical policy from the point of view of economy and sustainability. However, the Insurance Companies have social responsibility to provide medical coverage to common people at affordable cost.
This is a common misconception about the Affordable Care Act (ACA, or "Obamacare"). It's not medical insurance.The ACA does a lot of things. One of the things it does is that it requires everyone to get health insurance of some kind. This is called the "individual mandate".Another thing it does is it sets up "exchanges" which are special markets where you can shop for health insurance- that way you can try to find a plan that fits your budget but covers what you need covered. These plans are offered by regular private insurance companies.
There are seven types of car insurance. Liability insurance covers the cost of repairing any property damaged in a crash, as well as medical bills. Collision insurance makes it so then insurer pays for repairs. Comprehensive insurance handles any situation, including theft. Uninsured motorist protection is a policy that covers damage by an uninsured motorist. Medical/Personal-injury Protection covers costs of injury. No-fault insurance covers property damage and injuries no matter who is at fault. Gap Insurance is for driver's who still owe money on the cars and need to pay off the vehicle if it is totaled in an accident.
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