if you get into a car accident and need medical attention, which insurance covers you?

[Lifer]

or does it depend on who's at fault, other party, etc.?

 

[fredtam]

car

 

[mugs]

My friend got in an accident on his motorcycle, and since the other girl's insurance didn't come close to covering his medical bills, his health insurance covered the bulk of it ($300,000 in medical bills, he only had to pay back $30,000ish from his $100,000 settlement)

 

[fredtam]

Originally posted by: mugs
My friend got in an accident on his motorcycle, and since the other girl's insurance didn't come close to covering his medical bills, his health insurance covered the bulk of it ($300,000 in medical bills, he only had to pay back $30,000ish from his $100,000 settlement)

yeah.. I guess I should have said car first until the limit is reached then health. I wasn't really thinking catostrophic injuries just a broken arm or something.

 

[mugs]

Yeah I wasn't disagreeing with you, just adding to what you said

 

[Lifer]

so what if you're a pedestrian w/out health ins, and you get hit by a car, and the hospital bills end up greater than the driver's car ins coverage for medical?

 

[mugs]

Then I guess you'd have to sue the driver. Their liability is not limited to what their insurance will pay out.

 

[allisolm]

Depends on where you live. In Florida, your own car insurance (through PIP- personal injury protection coverage) pays the medical regardless of who is at fault in the accident.

 

[Vette73]

Originally posted by: mugs
My friend got in an accident on his motorcycle, and since the other girl's insurance didn't come close to covering his medical bills, his health insurance covered the bulk of it ($300,000 in medical bills, he only had to pay back $30,000ish from his $100,000 settlement)

He had 300K in Med bills and ONLY got $100k settlement???

Your friend either should have got a lawyer or a better one.

 

[mugs]

He had a lawyer, that was all the insurance the girl had. He obviously could have sued her for more, but she and her parents were dirt poor, so what would have been the point?

 

[malbojah]

Originally posted by: mugs
He had a lawyer, that was all the insurance the girl had. He obviously could have sued her for more, but she and her parents were dirt poor, so what would have been the point?

I hope she lost her license for a couple of years (forever sounds about right) if she caused this type of an injury

 

[Vette73]

Originally posted by: malbojah

Originally posted by: mugs
He had a lawyer, that was all the insurance the girl had. He obviously could have sued her for more, but she and her parents were dirt poor, so what would have been the point?

I hope she lost her license for a couple of years (forever sounds about right) if she caused this type of an injury

Agreed. You could have made conditions to the settlement like her working at a hospital or taking a driver class or motorcycle class.

My father was in a motorcycle accident and I was in one also lat April. The person that caused my fathers had plenty of insurance so that was taken care of. The person that caused mine I am not so sure of, so if it is low I will either sue then directly and at least make him do something like community service, safety driving class, give up license, etc?

So I have been injured in a motorcycle accident so I really hate people that cause that shitt and can?t fully pay for the other person. Hope your friend is doing better and got a new bike at least.

 

[NogginBoink]

In Texas, only liability insurance is required for driving. If I hit someone else, my auto liability will obviously not pay for my own injuries... right?

 

[Vette73]

Originally posted by: NogginBoink
In Texas, only liability insurance is required for driving. If I hit someone else, my auto liability will obviously not pay for my own injuries... right?

Correct. You SOL in that case, so don;t drive like idiot

 

[MikePanic]

car insurance... and yours is the one that covers you, no matter who's fault it is

 

[Vette73]

Originally posted by: MikePanic
car insurance... and yours is the one that covers you, no matter who's fault it is

WTF, wrong. If the other person is at fault they pay, period.

 

[allisolm]

WTF, wrong. If the other person is at fault they pay, period.

There are several states where this is not true.

Florida auto insurance laws require all drivers to carry personal injury protection (PIP) policies.
PIP covers your injury-related expenses, regardless of who was at fault in the accident.

 

[Vette73]

Originally posted by: allisolm
WTF, wrong. If the other person is at fault they pay, period.

There are several states where this is not true.

Florida auto insurance laws require all drivers to carry personal injury protection (PIP) policies.
PIP covers your injury-related expenses, regardless of who was at fault in the accident.

Well MOST states are not like that. And if you are dumb enough to live in a state liek that well that is YOUR choice.

The whole, NO FAULT thing is BS IMO. Thats why your insurance is higher, because of OTHER drivers. I pay for myself, I don;t wnat to pay for others problems.


Look at NJ and other states. GOOD drivers pay for the others.