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Who is responsible for your injury workmans comp or the responsible party insurance?
Cyngrimaldo
In Michigan, all employers are required to have workers' compensation insurance on their employees. If an employee is hurt on the job, then it should be reported to the company and a claim filed. The carrier will then review the claim and make a determination whether they believe it is a legit claim and can be processed. In this case, the company's insurance carrier will pay the bills (medical bills, appointment bills, required medical equipment, and for mileage). If they believe it is not an injury covered under workers' comp, then they will protest the claim and the person may have to obtain a lawyer.
Points to remember, there are some injuries that even though they occurred at work, they are not covered. For example, if you break your leg while horseplaying around, they can legally deny the claim. If you were doing something against company policies that endangered your life and others, it may be protested.
One last thing to keep in mind, if you have a pre-existing condition that is aggravated by your work and you need treatment, that IS usually covered under workers' compensation. But not in all cases - some employees who suffered a heart-attack on the job will not be covered under WC.
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What are the risks covered by a Third Party Car Insurance Policy?
In third party car insurance policy following risks are covered: Liability when death or injury is unlimited Death or Injury caused to a third party Damage caused to third party property
How does one go about filing a bodily injury claim?
To file a bodily injury claim one must first go to the ER or a doctor to have the injuries documented. Then you would file a claim with the responsible party's insurance company and they will ask for access to your medical records. After the insurance company reviews your files, they will send you an offer for compensation.
If a garbage truck hit your parked car do you go through insurance or go to the town hall and what insurance will cover that?
If you have collision coverage on your vehicle, the damage is covered under your policy. Your insurance company will then attempt to recover ("subrogate") the responsible parties insurance carrier....or the responsible party directly if they were not covered by insurance. If you do not carry collision coverage on the damaged vehicle, your only avenue of recovery is through the responsible parties insurance carrier or, the responsible party directly if they were not insured.
Why would one need third party insurance coverage?
One needs a 3rd party insurance coverage to cover for damage for vehicle or property. This kind of insurance covers injury of others, including passengers in the car.
What are third parties.?
A contract between two people is between the first party and the second party. Anyone else is a third party. An insurance policy is a contract between a driver and an insurance company and deals with injury to someone else, who is a third party.
What does personal injury protection mean?
Personal Injury protection, Also referred to as PIP, is first party medical coverage on your Auto Insurance Policy for injury sustained in an auto accident.
At what point after your injury should you consult an attorney?
An attorny should be consulted if you have been serverely injured in an accident and the party responsible for the accident is choosing not to work with you or your insurance to rememdy it. An attorney should also be contacted if the injury you suffered leaves you permently or severaly damaged and unable to live life normally
Can a 16 year old drive without insurance if they have a permit?
NEVER. Not only is the teen required to have insurance, but if he or she were to cause an accident then you (the parent) are responsible for the financial implications of an accident - bodily injury and/or property damage of the other party (and, no, your personal liability or umbrella policy will not pay those expenses for you).
What is an insurance policy with bodily injury coverage?
The question can be answered in a couple of ways: 1. Third-party coverage is sometimes called liability coverage. It provides benefits for third-party who sustains damage or injury due to the carelessness of the insured. In this context, bodily injury coverage within the liability protection will provide benefits to the injured party for his/her injury. Note, though, that it will pay only upon a finding that the insured was legally responsible for the injury, and that BUT FOR the action or inaction of the insured, the injury would not have occurred. This is the concept of proximate causation. 2. Bodily injury coverage can exist in a first-party policy as well. This is a policy under which the insured is him/herself insured. Examples are the uninsured motorist and personal injury protection coverages of an automobile policy.
Does a noncustodial parent have to pay for teenage daughters car insurance?
Whoever your daughter lives with is the responsible party to cover her on their insurance policy!
What happens if you get into a motorcycle accident and you dont have insurance and its your fault in Florida?
You are responsible for the damage you cause in an accident, regardless if you are insured or not. Having insurance transfers your responsibility to pay for the damage from you to your insurance company. If there are injuries to the other party, then the other party's insurance should pay for their injuries, but you are still responsible for the property damage you have caused the other person.
What is third party in car insurance?
Third party insurance basically protecting yourself from the actions of another persons. It covers the damage you caused to a third party only - injury, death, and/or property damage caused to a third party in the event of an accident caused by the use of the vehicle.
