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What is the main difference between automobile medical payments coverage and homeowners medical payments coverage?
Medical payments on your car generally covers expense to yourself and / or passengers in the event of an accident where you're at fault. Medical payments on a home policy will pay for people who are injured in your house - but it won't cover the homeowner or other residents of the house. http://www.coloradosbestinsurance.com
What is the statue of limitatons in Arizona to file a medical malpractice suit?
The statute of limitations for medical malpractice in Arizona is two years with the discovery rule.
Components to liability coverage under an auto policy?
Liability Coverage under an auto policy has what components: Medical payments Collision Comprehensive None of these Liability Coverage under an auto policy has what components: Medical payments Collision Comprehensive None of these Liability Coverage under an auto policy has what components: Liability Coverage under an auto policy has what components:
Does homeowners insurance cover medical bills for my husband that was hurt while fixing the house?
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.
In the event of a claim would medical payments or personal injury protection cover the loss first?
That might depend on the cause of the injury and the type of injury. If the car was not moving when the injury occured (slam your hand in the door) then Medical Payments coverage would apply and not PIP. If the injury was a result of an accident then Medical Payments wouldn't come in to play. The exception might be in the case of a death in which Medical Payments coverage can apply to funeral expenses. Laws and policies will vary by state.
What is the statute of limitations for medical malpractice suits in Arizona?
Two years from date of onset or discovery of illness or injury caused by medical malpractice.
What is the statute of limitations for medical malpractice in Arizona?
It is two years from the date of discovery of the injury as opposed to from the date of the medical procedure that eventually caused it.
Why would it be a good idea to have medical payments insurance on your auto insurance?
Medical payments coverage generally pays a portion of medical expenses incurred as a result of a collision and resulting injuries. Similar to Personal Injury Protection coverage, it pays expenses without regard to fault for the collision. It can fill in some of the gaps of coverage that may occur in Personal Injury Protection coverage, such as a high deductible. It may also be triggered when all of the benefits of Personal Injury Protection coverage are used, and pay additional medical expenses incurred. This coverage has nothing to do with physical damage to the vehicle. It pays benefits only for medical expenses incurred from the collision.
Statute of limitations for medical malpractice in Arizona?
It will depend on what the specific charges are. Violent crimes and murder, which would include assault, have no statute of limitations in Arizona. Other felonies are set at 7 years. Misdemeanors will be set at 1 year and petty offenses at 6 months. It is tolled if the identity is not known or they are absent from the state.
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 your losses if you are involved in an accident with someone like that. As far as having medical payments--this protects you and whoever you have in your car for medical coverage. If you don't have health coverage, it's a biggie. Medical coverage also protects you if you are walking and get hit by a car.
Would I be covered on a business fleet insurance policy if I am not listed as a driver?
In terms of Auto Liability...this depends.... 1. Does the policy excluded unscheduled drivers? If so, no coverage for you. 2. Did you have permission to use the vehicle? If not, no coverage for you. If the policy does not exclude unscheduled drivers, and you have permission to use the vehicle, the policy should afford coverage for incidents where you are the driver. In terms of Medical Payments or other benefit to YOU as the driver.... 1. Same questions as above, and more importantly... 2. Is Medical Payments and/or "PIP" coverage is provided on the policy? If no, no coverage for you. If no Medical Payments and/or "PIP" coverage is provided on the policy, you would need to seek coverage under the Workers Compensation policy. If you are an Excluded Owner under that WC policy, there would be no coverage for you here either. Remember, these answers are "general" in nature, and may not reflect the exact response from your insurer. I highly recommend contacting your agent for clarification of coverage.
Does Liability insurance cover your medical or the person with you in the accident?
Liability covers the other person that you damage. Uninsured and under-insured motorist coverage carries those in your vehicle. Medical payments coverage covers everyone involved regardless of fault.
