What happens if medical expenses exceed auto insurance coverage after an auto accident?

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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.
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What happens when you are involved in an auto accident and it is your fault and you have no auto insurance?

The person can sue you for the damages. Garnishing your wages or property. In many states in Georgia you can also face criminal prosecution including fines and time in jail.

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.

What is full coverage Auto insurance?

Full coverage auto insurance is a policy which covers first party and third party injury to the body or damage to car. It covers physical damages to the car if it has been leased at the time of accident, death or physical injury to the body of people involved in the accident, also property damages caused by the insured person's car to someone's property,

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.

What happens if the damages in an accident exceed the insurance coverage of the person at fault?

You need a life insurance policy to cover the risk of death and ahealth insurance policy as a cushion against hospitalisationexpenses. Buy Personal Accident Insurance Coverage :

What is a full coverage auto insurance?

Their is no such thing as full coverage in legal terms. What people refer to when they say that is Physical Damage Coverage for a vehicle. What physical damage coverage breaks down into 2 parts. Collision Coverage: Does include a deductible, covers the vehicle from damage resulting in a person being at-fault in an accident, and damage has occurred to the vehicle in which it has to be repaired or replaced. This does also protect the vehicle if an accident or damage results from a uninsured motorists or under insured motorists Comprehensive Coverage:(also known as other then collision) Does include a deductible, covers the vehicle from damages due to vehicle that are out of control of the insured. This would be from weather, vandalism, theft, hitting an animal, and etc. Remember, insurance company's insure vehicles of the actual cash amount at that time. If you have a collector car, you would to get collector car insurance, in which their is a stated amount.

Can your insurance company cancel auto coverage after you had an accident?

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 covered.

What is the cheapest minimum coverage auto insurance?

Answer . All states have required minimums on the different required liabilty coverages, but remember that isn't always the smartest thing.. For example in MO, the minium property damage coverage is 10k, (this pays for the damage to the property of others that you are responsible/liable for), you can't get a used car for 10k anymore, so if you total another vehicle that is worth 17k and only have this min. of 10k, you are on the hook for the additional 7k...see?

Will auto insurance cover medical expenses if alcohol was involved?

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.

Full coverage auto insurance?

"Full coverage" doesn't actually exist-but there are lots of auto insurance options you can choose from to help you feel well protected. When people say full coverage it usually means that they have a combination of insurance types that result in you being covered in almost every situation. This could include liability insurance, comprehensive insurance, uninsured motorist insurance, bodily injury protection and many others.

Is auto insurance expensive or cheap?

This question is far too broad to be answered directly. A variety of factors go into the cost of auto insurance, including, but not limited to: 1. What you deem to be "expensive or cheap"; 2. Where you are located; 3. The insurance company involved; 4. Your driving record and that of others to be insured under the policy; 5. The make, model, and accessories of the vehicle to be insured; 6. The coverages that you purchase. For example, coverage for physical damage to the car alone will result in lower premiums than if the policy also provides for liability or other types of coverage; 7. The amount of the deductible selected. The deductible is the amount for which you are personally liable to pay before the insurance company's obligation to pay is triggered; 8. Whether the vehicle is used for personal or business purposes.

Your 21 year old son had his own insurance policy and was recently killed in an auto accident. Who is responsible for any medical expenses not covered under his policy?

Answer . I'm sorry to hear of your loss. His Estate would be responsible. For more details, follow the link to FAQ's on probate, etc.

Is auto insurance expensive or inexpensive?

That all depends on your age your driving record and the type of car you drive. If you are older than 25 with let's say a 1990 full sized dodge van paid off in full, with a 6 cylinder motor and you have the title to it in your name clean driving record no recent accidents in the past 5 years. You can expect a cheap monthly insurance payment. But let's say your 21 years old, your making payments on a brand new corvette & you've been in an accident a year ago before you bought it. And the accident was your fault. The title of the car will not be under your name because you are still paying for it, plus you can expect a high monthly insurance payment since it's a sports car lot's of power etc. Not to mention it's on your record about the accident you had the year before. You will be considered a high risk on a new hot rod. So the insurance will definitly be high!

Will personal medical insurance or car insurance pay medical expenses in an auto accident?

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.

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.

What is liability coverage on auto insurance?

This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage..

Coverage on auto insurance when you have a car loan?

Yes, you should get auto insurance coverage when you have a car loan, and even when you don't have a car loan. The law requires it either way anytime a motor vehicle is operated on public roads..

If a auto accident is due to a medical reason will there insurance cover?

Yes. Under normal circumstances an insurer is obligated to pay liabilities that arise from ownership or operation of a motor vehicle.

What are auto insurance coverage requirements?

It varies by state to state. It also depends on if your state laws are at-fualt or no fault. In Colorado we're a at-fault state, which means you only required to carry liability. These limits are 25/50/15. That means 25k per person and 50k for the total accident. That covers hospital bills, if they were to sue you(attorney fee's and court fees, etc), and lost wages and whatever else you might be held responsible for. 15k total property damage. Remember liability only covers damages to a 3rd party. (for example: the person you hit and you were at fault). All other coverages are optional. Such as Medical Payment's, or also known as P.I.P. or personal injury protection. Physical damage coverage for the vehicle is also optional along with towing and rental car reimbursement.

What does medical coverage on an auto insurance policy cover?

Medical bills for yourself and anyone else in your car in case of an accident

How much medical payment auto insurance coverage is right?

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 increasing 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

Injured in an auto accident with no auto insurance?

If you are the driver of the vehicle you could face civil litigation by any other parties involved in the accident, including passengers in your vehicle. State laws vary but generally there may be additional criminal penalties including fines and jail time.

Auto accidents and insurance claims with no insurance?

well it depends where u live as auto insurance differs everywhere. But here in Ontario, when a person hits you and drives off or has no insurance, it goes under your Uninsured auto mobile coverage. and it has very limited coverage for Medical bills, and fixing ur vehicle up to 25,000 if it was a person with no insurance. if its a hit and run then u have to pay the damages to your car out of pocket. or make a claim under your collision coverage.

Does cigna healthcare have subrogation rights against auto insurance medical payments coverage?

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.

If you voluntary turn back in a financed auto and the auto has been in an accident and you had no insurance coverage what are you libel for?

You are liable for everything. Fixing the car, paying for the car (the balance of the contract) and repo fees.

How do you check your auto insurance coverages?

The best way to review your coverages is to contact your Insurance Agent. Your agent can go over the terms and scope of your Insurance Policy with you and answer any question you may have. Answer: You can find your insurance coverage after determining your damage. You must also be familiar with your entitled insurance coverage mean what are the things that are included in you insurance coverage. You can determince your insurance coverage by completing the docs required for the insurance claim. A detailed procedure link for determining and claiming of insurance is submitted in "Related Link".

How is my Auto insurance coverage affected after an accident?

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

Call your insurance if you have a auto accident?

Always call your insurance carrier if you have been involved in a car accident. You may also need the advice of a good personal injury attorney if you have specific questions regarding your accident claim. You are under no obligation to speak directly with any other insurance company that may be involved in your claim other than to offer basic information. Unfortunately many insurance handlers are taught ways to coerce claimants into admitting guilt in an accident. They also record the conversations they have with claimants.

What if you was in a auto accident and you are not at fault but you do not have auto insurance?

Laws may vary state to state. In Georgia it is a criminal offense to drive without auto insurance. Although you may not be held liable for property damage or bodily injury to another party, you may face legal action including fines and possible jail time.

Can you get auto insurance after a major accident?

Yes you can but you may be surcharged and your premiums increased depending on your prior driving record and the kind of coverage you had.

Do you have to have full coverage auto insurance?

No, "full coverage" auto insurance is not required by law. All states require some level of car insurance that covers costs if you are responsible for an accident. That would be called liability insurance and the state minimum coverages dictate how much of it you need to buy. That said, "full coverage" does not actually exist and the phrase generally refers to buying a combination of several insurance types to ensure the most protection.

What are the coverage characteristics of auto insurance?

Auto insurance usually has several components. Not all coverages are purchased by every applicant, but the basic coverages are as follows: Liability insurance provides coverage to the named insured and others who are identified by name or by relationship to the named insured in the policy for negligent acts or omissions while operating the insured vehicle. Stated otherwise, if a covered person is legally liable for causing damage to another in the operation of the insured car, the insurer will pay those damages. Because the damages are payable to a third party, liability insurance is often referred to as "third-party coverage". Liability insurance may be for bodily injury or for property damage, and the policy will specify the amount of coverage that is available for each type of damage. Some policies of commercial auto insurance have "combined single limits", which meld bodily injury and property damage coverage into a total available limit. Medical Payments / Personal Injury Protection (PIP) is a form of "first party" coverage because it pays expenses incurred by the insured. Specifically, it pays a portion of the medical expenses and lost wages insured by the insured and others specified in the policy and/or by statute without regard to fault for the collision. The payments may be subject to a deductible. Under-insured / Uninsured (UM) is designed to compensate the named insured or others designated in the policy by name or by their relation to the insured, for bodily injury, and the effects thereof, if the at-fault party did not have bodily injury liability coverage. Because it effectively takes the place of the adverse party's liability coverage, the damages recoverable by the insured or other person to whom the coverage applies may be reduced or eliminated according to the rules of comparative or contributory negligence to which the jurisdiction adheres.

What are coverage characteristics of auto insurance?

Auto insurance usually has several components. Liability insurance is the limit of how much the insurer will pay on your behalf to someone you injure while driving. Property damage is the limit of how much the insurer will pay on your behalf to someone on account of damage to their property you cause while driving. Medical Payments / Personal Injury Protection (PIP) pay medical bills up to the limit of the insurance. Fault is not considered. Underinsured / Uninsured (UM) insurance is there for the benefit and protection of the insured in case someone else is at fault and causes injury to the insured. This is very important insurance.

Will your medical insurance cover you in an auto accident?

Yes it should, but the auto insurance company may have to pay the medical insurance after the claim is paid.

What is personal coverage auto insurance?

The personal coverage of the insurance depends on the companies. Some companies they cover financial security in case of vehicular accident, which you can use to pay for hospital bills. It is best to be insured, one company that has affordable rates and best rates auto insurance is the insurance60 visit them now.

Are medical payments from your own insurance paid to you or medical provider in an auto accident?

They are usually paid directly to the provider. The injured party provides insurance information to the treating physician, who then bills the insurer for treatment rendered. These payments are often made under the insured's "no-fault" coverage.

Will auto insurance cover medical bills from an auto accident?

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 policy. 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.

What kind of coverage will you get with progressive auto insurance?

Progressive auto insurance is a well respected nationwide insurance provider. You will most likely receive quite comprehensive coverage but you should check the details of each specific policy to make certain.

Is full coverage auto insurance required for auto financing?

Yes, full coverage auto insurance is required for auto financing. This rule protects the bank if you have an accident.

Which auto insurance companies have coverage for RVs?

Nearly every auto insurance agency has RV coverage. The more popular choices include Nationwide, esurance, and Progressive.

What is the expense of an auto owners insurance?

It depends. There are many conditions that weigh in the cost of one's auto insurance. A person's age, location, gender, car type, and whether or not you are a good driver.

Is antique auto insurance expensive?

"Yes. Antique auto insurance can be rather expensive. It also comes with a lot of stipulations, As in keeping the car in a locked and closed garage when not in use, you have to be of at least 26 years of age, a good driving record with no more than one fault within the last three years. And the car cannot be a means of everyday transportation."

Does full coverage auto insurance cover auto repairs?

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!

Is there a deductible on comprehensive coverage auto insurance?

Usually there is a deductible on comprehensive coverage auto insurance. The deductible can range in different amounts usually from 0 to $1000 or even higher if it is a very expense vehicle.

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. Also, 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.

How expensive are insurance for home and auto?

Costs vary for insurance for your home and auto depending on a number of factors. For auto insurance, the value of your vehicle, length of time driving, and credit record are important factors. For home insurance, the value of your home and your credit rating will determine insurance costs.

Where can auto insurance coverage for collision be obtained?

One can obtain auto insurance through many insurance companies out there today. A person may wish to contact companies like Geico, State Farm, and All State to compare rates.

What is included in comprehensive auto insurance coverage?

Comprehensive auto insurance coverage covers the different types of events or accidents cause by falling objects, animals, extreme weather, theft, vandalism or riots. But it does not apply to any types of accidents with other cars.

What auto insurance coverage do you not need?

All coverages offered in an auto insurance policy have a place and needs for some people. This is certainly not to say that everyone needs every coverage. What you need is a good agent that can explain the available insurance coverages and can help you decide which ones you need an which ones you can do without. You can sit down and evaluate the costs involved and the benefit to you if something happened so that you can decide on an educated basis what is best for you and your family.