Well the person that hit you is not responsible enough to drive with insurance, if someone was in your parked car, you would still be responsible,its your car after all. The person that hit your car would be liable and you would have to go after them legally. If the uninsured driver in fact gets injured he will be responsible for himself, insurance companies are not in the business of paying people who drive illegally.
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.
I am not familiar with California laws but... In 99% of cases, the person who rear-end's you is at fault. If the other person is at fault, they are liable for damages and medical injuries. The fact that you are not insured does not make the at fault driver not responsible for damages and injuries that he or she causes.
Yes, she will be held responsible. The primary insurance holder is always responsible for the medical costs under
I think you are referring to PIP coverage? There may be some states that surcharge if you do not have medical insurance as PIP pays for injuries, or death in an auto accident. Most states and insurance companies offer a discount if you do have medical insurance as your medical insurance can also pay for your injuries. Many PIP policies only pay a % of injuries up to a maximum of $10,000.
No. That's what your major medical insurance policy is for.
No, The medical coverage portion of your policy (usually $500) is for minor injuries that can occur around the home and is specific to the named insureds. Your home insurance policy is not a replacement for major medical insurance. If your guest feels you are responsible for their injuries through your negligence then they could sue you for coverage under the liability portion of your home insurance policy.
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.
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 father is usually always the person responsible for the insurance.
The primary insurance holder will be held responsible. That is part of the agreement, they will have to pay.