Who pays the medical bill if you are involved in an accident where the at fault party is uninsured and you don't have uninsured motorist coverage but you do have medical insurance?

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This is a great question. My husband was hit by a car while on his motorcycle last June. He DID NOT have uninsured motorist on his bike and the woman had no insurance at all, so unfortunately we could not go after her for any money. He was in the hospital for one month, 8 surgeries and is still unable to walk like he used to and may never be able to. He lives in constant pain and because we did not have uninsured motorist coverage on the bike, we are at a loss. However, I am attempting to use my auto insurance to try to recoup some money. My husband's health insur. paid the hospital bill of over $300.000.00, but now has a lien on my home for the remaining balance of $165,000.00. My attorney is in negotiations to get that waived. We did recoup $25,000.00 from the owner of the car she was driving's insurance, but Blue Cross is taking that, we do not get a penney. My attorney never advised me to use my medical coverage of my insurance, so I don't know if that could help or not. Maybe I'll try that route too!! Hope I've been of some help. Check your auto insurance policy to see if you have medical payments that will pay your medical expense up to $ amount. If you do, then your insurance company will pay up to the $ amount. Or, if you do not have auto medical insurance, have your regular medical insurance pay. The person at fault needs to pay your bill. You need to take him to court and have his wages garnished for your bills. If that is not a possibility for you, then your medical insurance should cover it.




Also, check with your insurance agent regarding the extra medical coverage you may have purchased along with your auto insurance policy. Most have some.
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What are the definitions for liability insurance medical payments insurance uninsured motorist comprehensive and collision for auto insurance?

Answer . Liability insurance: The coverage found on any auto policy that handles damage you cause to another person's property, either directly or indirectly with your car.. Medical Payments Insurance: Can be either Medpay or PIP. PIP -- or "personal injury protection -- is required in many stat ( Full Answer )

Is it necessary to carry uninsured motorist coverage in a no-fault state such as Florida?

Of course. Do you think that NO ONE ever drives without insurance? Be covered and be protected against financial ruin. If you are a person who rarely carries passengers and you have good health insurance (which would cover any injuries you might incur in an accident anyway) why do you need to carry ( Full Answer )

If a pedestrian is found at fault in an accident involving a car and pedestrian which insurance would pay the medical bills - the auto insurance or the pedestrian's health insurance?

\n. \nSince Pedestrians always have the Right of Way, It is very rare if not impossible to find them at fault unless fraud or gross negligence can be established. Traditionally The drivers liability insurance will pay their medical bills.\n. \n Answer \n. \nIt depends on your state's laws, bu ( Full Answer )

If you have uninsured motorist insurance are in an accident and its you fault other driver has no insurance or drivers license can you get your car fixed if you only have liability insurance?

Answer . As a broker, I can tell you NO, there is no coverage if you are at fault. Now if you are only partially at fault, example, 50%, and it's proven, there may be coverage under your carrier. I'm in Canada where things are a bit different but it wouldn't hurt you to try right?

Involved in a not-at-fault accident is it your fault or the owner's for driving their uninsured car if you thought it was insured?

Ultimately, the driver is responsible for everything that that is caused by or contributed to while the driver is in the vehicle. Lights don't work? Drivers fault. Not insured? Drivers fault. Answer If you drive a car that is not insured you can be ticketed for that. If you were not at fault in t ( Full Answer )

Uninsured medical bills?

Should be turned into the company that is handling the uninsured motorist claim, (generally company that insured the 'insured' vehicle), they will most typcially wait to pay these bills until settlement is reached. If that didn't answer you question please expand it.

What does uninsured motorist coverage mean?

Uninsured motorist Uninsured Motorist coverage (which is required coverage in many states) covers injuries that the driver and occupants of a car sustain when the at-fault vehicle was not insured for liability coverage. UM does not cover the physical damage to the vehicle. UMPD (uninsured motori ( Full Answer )

How do you Waive uninsured motorist coverage in FL?

Answer . I'm not 100% sure about Florida specifically, but in most states Uninsured Motorist is a required coveage. Maybe you are thinking about some other coverage? Like Uninsured Motorist Property Damage ? Contact the FL dept of insurance and they can tell you the required coverages and limit ( Full Answer )

If you are an insured motorist and get hit by an uninsured motorist should you use your job's personal medical insurance or your auto insurance or both?

Answer . More than likely, you will begin by using your personal medical insurance. Medical expenses and lost wages can possibly be reimbursed through the uninsured motorists coverage. Uninsured/Underinsured coverage laws vary by state. Contact your insurance agent for a full explanation of h ( Full Answer )

Can a medical insurance company recop money paid by uninsured motorist?

Yes, they can. When you enrolled in the health plan and when you submitted the claim, you agreed to allow them to recoup money from any responsible party. It does not matter whether the responsible party was insured or uninsured; if they paid, the health plan has the right to recoup the money it pai ( Full Answer )

You were an uninsured driver in a car accident in Missouri The other driver had uninsured motorist coverage but now you are being called by his insurance company requesting payment you have no money a?

yes the insurance company will come after you to pay the bill they used in fixing their driver's car. the point i do not know is that, are you responsible to pay the deductible or pay the total, what are this insurance people for anyways, they only make money they do not spend money... try talk to a ( Full Answer )

If someone who is uninsured is hit by a car what do they have to do to get the drivers insurance to pay for the medical care?

You may be ticketed due to lack of insurance, but you are NOT automatically at fault. The problem is you have no one to fight for your rights -- no insurance company to go after theirs. You're probably going to have to hire a lawyer unless their insurance company will act responsibly (rare, but it h ( Full Answer )

Do you really need uninsured motorist coverage?

They always say you never need insurance until you have not got it! Insurance covers your risks, each person develops their own view regarding what risks are acceptable and what risks need doing something about. It is up to you to decide if you need uninsured driver cover. But if you decide not t ( Full Answer )

Should you get uninsured motorist insurance?

Unfortunately, yes. Although the laws require every motorist to have adequate insurance coverage in order to register their vehicles, some will do just that and once they receive their current vehicle license, drop the insurance simply because they cannot afford it and eat, too. You should also g ( Full Answer )

Why get uninsured motorist insurance?

Because there are many people who are driving without insurance coverage in our nation. Far more than you realize. It is a stupid and reckless crime but it happens all the time. If you do not have uninsured motorist coverage you will be on your own to try and collect your damages from someone who ha ( Full Answer )

What is the benefit of having uninsured motorist coverage and medical payments on your auto insurance policy?

The benefit of having uninsured/underinsured motorist coverage is that almost 20% of us drive around with no insurance. There's also a good percentage of high risk drivers with minimum coverage running around. That's quite a pool of drivers we're up against every day. You want to be able to cover yo ( Full Answer )

Who is covered under my Uninsured Motorist coverage?

Uninsured Motorists Coverage . Uninsured Motorists Options on your Auto Insurance Policy Offer cover yourself and other passengers in your vehicle and comes with basically 2 options. 1 Um / BI = Uninsured Motorist Bodily Injury Coverage. 2. Um / PD - Uninsured Motorist coverage Physical Damage. ( Full Answer )

What is uninsured motorists insurance?

Uninsured motorist coverage is a type of first-party auto insurance that compensates one if he/she is injured in a collision due to the negligence of someone else who does not have bodily injury liability coverage. Essentially, it pays the same sort of damages as the at-fault party's bodily injury l ( Full Answer )

Is Uninsured motorist coverage needed for trailer?

\n. \n. I some states yes but just a few. I ma speaking on the commercial policy side. \n. Each statute addresses trailers generally clearly. Most are clear it does not apply to trailers. Some states charge a very low % charge such as 15% of the liab. prem. \n. New Mexico used to require it o ( Full Answer )

Rear end accident not at fault party can the insurance company of the at fault party legally deny to pay any medical bills until claim is settled?

It's been my experience the answer is yes. We also were rear ended, the other party was completely and totally at fault. This caused me to have to get a lawyer as the insurance company was not paying the medical bills that were accumulating which I would have ultimately been responsible for. The Dr' ( Full Answer )

Can the uninsured motorist coverage in a hit and run accident in California cover the victim?

Yes it can, although it might be subject to your deductible depending on the type of optional coverage you have. Uninsured motorist coverage is nice because it protects you from other drivers who either have no insurance or whose policy limits might be too low to cover damages to you and your vehi ( Full Answer )

How important is uninsured motorist coverage?

If you have medical insurance, Uninsured Motorist coverage is NOT important. Your medical insurance will already pay your medical bills. The only people that recommend this coverage are lawyers, insurance agents, and insurance associations. That is because they make money off of selling it to you. T ( Full Answer )

What does stacked uninsured motorist coverage mean?

Uninsured motorist coverage is usually listed in ways such as 10/20, 25/50, etc. That means $10,000 per person, $20,000 max per accident. This coverage is for each vehicle on the policy. If you stack the coverage and have 2 cars, you can collect the coverage from both vehicles on your policy if you ( Full Answer )

Will your uninsured motorist coverage cover an accident from an at fault unlicensed uninsured driver?

Yes. The initial trigger for entitlement to uninsured motorist benefits is involvement and injury in a motor vehicle collision with an uninsured motorist. According to state law, there may be other requirements as well (such as the existence of a permanent injury or significant scarring), but lack o ( Full Answer )

What states require uninsured motorist coverage?

The only states that I have found that make it mandatory for the insurer to provide this coverage are Pennsylvania, Illinois, Maryland and New York. That list may be incomplete and the minimum coverage amounts aren't shown for those states. Regardless of whether your state requires it or not, I c ( Full Answer )

Who pays the medical bills if you are involved in an auto accident where the at fault party has insurance and i was a passenger in car that was hit?

Most states require auto owners to maintain "no-fault" coverage; it is sometimes referred to as "Personal Injury Protection". It is a first-party coverage, which means that one maintains it for their own benefit. No-fault coverage pays a percentage of the medical expenses and lost wages sustained b ( Full Answer )

Does uninsured motorist coverage cover an uninsured driver of the car in a single car accident?

No. Uninsured motorist coverage protects the owner of the vehicle which is damaged due to the actions of an uninsured driver of another vehicle (or damage caused by a hit-and-run driver). I think what you are asking is known as a 'permissive' driver - someone who was driving another person's vehicle ( Full Answer )

Do you have to have uninsured motorist coverage in Florida?

I believe the correct answer for the UIM insurance is optional in most states and not a requirement. this is to cover damages to vehichle and person in the incident of a collision which is not ruled as your fault, when the other driver is at fualt. As for good advice it should be carried on all your ( Full Answer )

What does stacked uninsured motorist coverage mean and will it get your car fixed by insurance?

"Stacked" refers to uninsured motorist coverage, not to liability or physical damage coverage. In essence, if there are two cars in a household, both with insured motorist coverage, the uninsured motorist limits of the cars can be "stacked"--added together. Naturally, this will only make a differenc ( Full Answer )

Will your insurance pay for the damages in an at fault accident even if the driver of your car is uninsured in your policy?

The real answer is that you should talk to your insurance agent,because laws vary from location to location. However, in most states, what's being insured is the car ,not the driver . If you give permission to someone to driveyour car and they get in an accident and it's their fault, usuallyyour ( Full Answer )