If medical insurance will not cover injuries from an auto accident why do they ask if you have it and then limit your coverage?
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.
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If you are in an accident with someone whose insurance lapsed but you have full coverage will your insurance cover it?
Yes they will, but you may have to pay a deductable if you do not have uninsured motorist coverage, and you you must have comp & coll coverage.
Answer . In Florida, PIP will pay 80% of the bills till a total of $10,000 is reached. \n. \nAfter the $10,000 limit, the health insurance will kick in as if that was the primary insurance. \n. \nSo what about the 20% before the $10,000. Send the remaining balance bills to your health insur…ance or the provider if the provider belongs to the health insurance list. Most of the health insurance companies will pay nothing of the 20% as the auto PIP will have paid several fold the allowable amount that the helath insurance pays had it not been as a result of an auto accident. They will tell the provider that no additional payment is due. So you will not pay a dime from your pocket till you reach the $10,000 limit. \n. \nBut if you are going to a out-of-network provider, I do not know. So when you go to ER or a doctor, tell them you only want to see your health insurance providers. They may not do so but insist.\n. \nBeaware of even network providers trying to ask you to pay the balance if your health insurance company does not pay anything. They become greedy like anyone else.\n. \nThe sun is setting on reqd PIP in Florida. It is a boon for people who have a insurance as they will not go thru the hassles that providers put you thru for the balance of the PIP. On PIP, charges are 3-4 times what is allowed by health insurance companies. So hospitals and doctors make a killing. With PIP gone in Fall, now the lawyers will make a killing by suing for injuries. And if you are not insured, you are in trouble even if the accident was not your fault. PIP was a good idea, but when hospitals and doctors got greedy, it became to be known as a scam. \n. \nWith our mentality of making money in the short run, this is what the consumer gets. He is shafted no matter what, just getting shafted by different people. Do you want to be shafted by the medical community or the lawyers. Take your pick. (MORE)
Does the liability coverage on your auto insurance cover you against a liability exposure if you are at fault in an accident and a passenger in your car is killed in the accident?
It should, up to the amount of the policy. It is possible that your liability could exceed that amount, particularly if you had only "legal minimum". And I suppose there could be some situations spelled out in your policy, maybe DUI or commission of a crime, that might create an exception. Ther…e may also be an issue if the passenger is a member of your household. #2 answ: Better read your insurance policy. Most liability insurance covers ONLY the person and property of another vehicle and not your own ESPECIALLY if you are at fault. . In the UK - the answer is simple. Your insurance will cover you for all injuries including a fatality to a passenger in your car. If there was a deliberate act your motor insurer may wish to recoup any compensation payment for the fatality. See the related link entitled "car accidents caused by family members" to see how your insurer might investigate if suspicious circumstances are suspected due to a family relationship. (MORE)
If your wife had an accident and she was not on your insurance and was driving a rental car that had sui and cdw but no pai for medical injury who pays your auto-ins rental-ins or medical-ins?
Answer . \nYour medical insurance will probably pay; however, you will have to put in a claim to the other insurances first and get a written copy of denial before your medical insurance pays on a car accident. Make sure your doctors' billing offices have those instructions. I fought the charge…s from a surgery for 6 years before the hospital admitted they messed up the billing procedure. (MORE)
Answer . Depending on where you are (I can only speak for the U.S.), there may be no restriction on how long insurance has to act on a claim. Some states to have a statutory limit for responding to a claim (for example, ten working days) and others, like Florida, do not. They allow market force…s, such as auto repairers and customers, to force action. In most states, the funny part is, you have a statutory limit on how long you have to FILE a claim. Quaint, isn't it? (MORE)
Do you need to file a claim with your auto insurance if you wish to seek medical coverage for the injuries sustained?
Answer . \nmedical coverage is any out of pocket expenses you incure. If another auto was at fault, you would file under their policy, for Bodily injury
Will your full coverage auto insurance pay for your car if you where drinking and driving and had an accident?
Answer . They're pretty much obligated to do so, but recognize that you will probably be dropped from coverage as soon as they discover the DUI on your record.
NC requires 30,000 bodily injury per person/60,000 bodily injury each accident/25,000 property damage per accident.
If the bank puts their own insurance on the vehicle due to no coverage and you get in an accident what is covered?
Answer . This coverage is called Lenders Single Interest Insurance, and it insures the LENDER against loss. If you crash the car and damage another person's property, the insurance will pay the bank the amount of the loan and cover any damages that may be assessed against the bank if they are s…ued. Then the insurance company will attempt to collect all of these amounts from YOU. And of course you are responsible for the damage if you are sued. In other words, THE DRIVER/OWNER has NO PROTECTION from this insurance, even though the premium was added into his bank loan. (MORE)
Does Illinois homeowners insurance cover medical costs for injuries to another person caused by the insured in an accident in the state of Wisconsin?
Answer . \nThe liability section of a Home insurance policy covers you anywhere any time as long as it is not malicious intent.
Who would cover your sons injuries sustained in car accident while driving in NY state with AL liability only auto insurance?
Answer . \nLiability is only to cover the other person. You might have to pay out of pocket for your son.
If you were in an auto accident and have only PLPD coverage on your vehicle will repair costs be covered?
PLPD . PLPD is also known as liability. If YOU hit someone else's car meaning that you are at fault, any repairs will come out of your own pocket because PLPD only covers damages for other vehicles. If you were not at fault it doesn't matter what coverage you have because their insurance carrie…r (if they have one) should pay for your vehicle damages. (MORE)
Answer . If you have an accident in the first 60 days of your policy,, Yes They can cancel your policy
If you got auto insurance coverage and were in an accident the same day what is the coverage for a claim?
Accidents . Insurance is VERY specific when it comes to when coverage starts. If you had the accident BEFORE you got insurance any damage sustained before you purchased the policy damage would not be covered. If you had an accident after the purchase of the policy then any damages would be cove…red. (MORE)
Do you really need ununderinsured motorist coverage if your collision coverage covers the car damage and separate medical insurance covers injury treatment?
Underinsured motorist coverage protects YOU against the other driver not having enough coverage to handle your losses. Say they are at fault and carry 15/30/10 (the minimum in most states, but even 25/50/20 if you want) - that means any one person they injure is covered for 15K max...to a total of 3…0K for all injured people - so if you had 3 people in the car the max payout would be 30K - with no one getting more than 15K. Your medical damages are 35K - actually a fairly small amount considering todays costs. He is underinsured...you only get 15...pay the other 20. Your passengers, each of whom had say 25K of medical...they each look to you for the rest too (which because of the 30K max...which you used 15K of, is actually another 35K!). As to your car....he's responsible for at fault damages to property...so if he only carries 10K property damage...and your car is worth 15...start reaching for the checkbook. And if he pushed you into someones else's car, or living room...welll.... The weird thing is without underinsured coverage...presuming your carrying something like 100/300 - your insuring the worthless slug for much more than he is providing for you. Even stranger...if he had no insurance....you would be covered up to your maximums anyway. It is a very inexpensive add on so i can't see why it would be a place to skimp....just increase your deductible to really save something. (MORE)
Answer . You don't say how alcohol was involved. If you are drunk driving and wreck and hurt yourself, passengers others, barring any policy exclusions to the contrary yes, there is coverage, if you could be more specific I could be of more assistance.
Answer . Yes only for Auto, Campers, Motorhomes while on the highway What's No-Fault Insurance?No-Fault Auto Insurance Coverage pays for each driver's own injuries and property damage, up to the limit specified in the policy, regardless of who caused the accident. Because No-Fault insurance var…ies by state, ask your claim representative if this applies to your situation.Ref: Allstate @ http://www.allstate.com/claims/auto-insurance-faqs.aspx (MORE)
Your choice, depending on which coverage is better. Try the auto insurance first. but remember, their job is to minimize costs, and sometimes you have to go where they send you. they may have limits depending on the policy and state laws. your medical coverage is designed to cut costs by keeping you… alive and healthy to keep paying them. they don't make money off dead people or people too sick to work and keep coverage. they will usually end up paying for long term issues, especially if they don't pop up right away or if a pre existing conditioned is worsed. how much wor$e is the back pain, really? you should go through the auto insurance if its drastic, expensive, extensive care. if its minor aches and pain just pay your 10$ or $20 copay and go to your primary care physician (your doctor). if you get hurt in an accident, go to the closest hospital right away, don't delay or the ins co may try to loophole out of paying you, thinking scam alert. i once tapped a couple in their 50's when i was 16 and only driving for a few months. he slammed on his breaks after realizing he was about to miss his turn. at 20 miles in a 25 (it was 200 yards after a turn) i hit a pile of wet leaves next to a stone wall and skidded into them. i was sited no fault as i could not get off the road or go into opposing traffic (why they stopped). they were complaining about how hard i hit them and she was saying he already had a bad back and now this. the office on the scene asked them did they want him to call them an ambulance to take them to a hospital. She said right away no, they were going to their own doctor. after they left the cop told me they would be trouble. but they were denied due to lack of physical proof and officer testimony. so the moral is because some scam, they reason all are potential scammers until proven actually hurt. (MORE)
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…ur 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. (MORE)
the injury to or death of each person as a result of any one accident
It depends upon the state in which the accident occurred. In Louisiana, the statute of limitations that is commonly referred to in other states is known as the 'period of prescription'. This is due to the fact that Louisiana operates under a Civil Law Code rather than the more widespread Common Law… Code used by many other states. The period of prescription for auto accident claims in Louisiana is one-year from the occurrence. For more information on auto accident claims in Louisiana, visit the link below: (MORE)
Yes. Under normal circumstances an insurer is obligated to pay liabilities that arise from ownership or operation of a motor vehicle.
Medical bills for yourself and anyone else in your car in case of an accident
No. Homeowners Insurance does not cover Auto accidents. . Auto Insurance covers automobiles. It does not matter if the auto accident was on public or private property.
Does renters or auto insurance cover the injury to the movers who don't have worker's compensation insurance?
NO, Your homeowners or renters policy will not provide coverage for hired workers or contracted movers. . It is the responsibility of the Employer to provide coverage for work related injuries of it's employees, not the customer.
This question is very tough to answer well. I know in PA medical from auto insurance is the first source used to cover a medical expense. If you have a decent health insurance plan this can provide coverage over top of the medical from your auto.. However,as the deductibles on health care are incre…asing and many policies have lifetime limits, I would suggest getting a fairly high limit if you are able to afford it, in this category.. Anyone who needs assistance with insurance in PA is welcome to contact me, I work for an independent agency in York PA www.ekmcconkey.com (MORE)
If Cigna had paid on charges which rightfully should have been paid by the auto insurance, yes. The subrogation would be performed by Cigna's overpayment recovery vendor, accent. This should not make a difference to the patient, as Cigna will cover once the auto insurance coverage is exhausted.
No. However, you may have provision in it that will pay for your premium if you are unable to work.
Simple if it is a good auto company then your set and will be taken care of if it is a bad auto company they will burn a hole through your wallet simple short: they turn on you
An ins. co will insure you for pertty much anything as well as protect you for any liability issues due to contractual obligations. The answer is, yes!
It depends on the company and policy. Some will deny it for "operating out of territory". Others will cover it and then non-renew the policy for "operating out of territory". There is no way to say for sure as it varies so much from company to company.
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.
Yes it should, but the auto insurance company may have to pay the medical insurance after the claim is paid.
If your motorcycle was a scheduled vehicle on your Insurance Policy then you should be covered. If you were on someone Else's Motorcycle then their insurance policy should cover your medical. If neither coverage is available then you could look to your major medical policy or HMO for medical cov…erage. (MORE)
Yes. Most states require that the registrant of an auto to maintain a type of coverage to pay for his/her own medical expenses and a portion of lost wages as a result of a collision. This is generally payable without regard to fault for the collision and is payable under the injured party's own poli…cy. Since fault is not an inssue, it is usually called "no-fault coverage". All policies of insurance have exceptions and exclusions, depending upon the circumstances of the occurrence. Therefore, although coverage is generally provided, the circumstances of a particular case may give the insurer a defense to payment. (MORE)
If you are referring to an auto mishap that occurred on your property and that resulted in damage to the car, it might. The obvious situation that comes to mind is, for example, if your vehicle ran into your house, resulting in damage to your car. The collision coverage on the car would likely pay f…or repair, subject to the deductible. If you are referring to an incident that did not involve the car, such as a kitchen fire, the auto insurance would not be involved at all. (MORE)
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. (MORE)
1. Most states have a requirement that a registrant of an auto maintain "personal injury protection" (PIP) coverage (altho the name may be different). This is the essence of so-called no-fault auto insurance. Essentially, it pays a percentage of the insured's own medical bills and lost wages, up to …a maximum amount, arising from an auto collision. It pays those expenses irrespective of fault for the collision. 2. Most insurers also offer a Medical Payments coverage. This is often an optional coverage. It pays an additional amount toward medical expenses , and often coordinates with the PIP coverage. Therefore, if the PIP coverage pays 80% of the medical bills, up to the policy limits, the medical payments coverage will pay the remaining 20% up to its policy limits. 3. If medical expenses exceed #1 and #2, one's major medical insurance is triggered. The auto insurance is "primary" in the sense that its benefits have to be exhausted before major medical insurance is called upon to pay. This is because auto insurance is required by state "financial responsibility laws" and for the further reason that it and the major medical insurance contain "coordination of benefits" provisions making the auto insurance primary. 4. If medical expenses still exceed the total available auto insurance and major medical insurance (including, if there is no major medical insurance), the injured party/insured is personally responsible for unpaid amounts. In this situation, the health care provider frequently is willing to work out payment arrangements. Alternatively, the unpaid amounts may be discharged in bankruptcy, but this is a very drastic step and should be avoided if at all possible. (MORE)
"Yes, it does. Perhaps the chief purpose of purchasing American Auto insurance (or any automobile insurance) is to seek coverage in the event of a traffic accident."
Usually yes. It depends on the brand of insurance though. You should check with your provider to be sure.
Each vehicle should have its own insurance so each should pay out if each were damaged, whoever owns them.
yes full coverage insurance covers auto repairs. It also covers maintinance and gas costs. Thats right fuktard, full coverage insurance is the only expense you will incure while driving. In some cases they will even pay speeding tickets for you!
Accidents never erase from your record. All insurers look at your record for a different amount of time. Typically 3 - 5 years is the time that most insurers care about.
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).
Different states and policies can have different benefits and coverages. Health insurance will cover medical costs related to an auto accident but in most states they are secondary to automobile insurance. This means that the auto insurance will be responsible for payment first and health insurance …will pay after that. If the health insurance company goes ahead and pays the claim or at least the first few bills then you receive payment of file for payments on the auto insurance you will be responsible for reimbursement to the health insurer. (MORE)
Most health insurances should cover an accident injury. It is important to look over one's health policy to ensure that accidents are indeed covered entirely.
Will auto insurance provide coverage for accident when violating daytime driving restricted license?
Why would you even want to consider a question like this? If a person is restricted to driving only in the daytime that means their license is not valid after dark. If you allow someone to drive when they do not have a valid license they may not be covered, they certainly are not legally driving. Al…so, the driver must be listed on the policy as a driver and you have to have given the company all their information like their drivers license, date of birth, driving record, etc. (MORE)
If a person has car insurance more than likely they have coverage if they are injured or injure someone else. If one is looking for it they should go to any auto insurance company to get it, like Geico, esurance, State Farm, All State, and more.
The vehicle being towed has to have physical damage coverage itself in order to be covered for damage. A vehicle towing another vehicle does transfer the liability insurance to the trailer or object it is legally towing but the physical damage done to the object being towed does not transfer.
Normally, an insurer will require that all requirements of the law be complied with in order to issue a policy. This would include proper registration of the vehicle.