It's best to discuss your coverage with you Insurance agent. Your agent can review your policy with you for available coverage and can help you choose additional coverage options to meet your exposures.
Minimum liability Auto Insurance, Generally only pays for the damage and injuries you cause to others in a covered accident for which you are liable if you declined PIP and did not pick up any medical coverage.
Not all states require that you pick up medical coverage on an auto liability policy while many U.S. jurisdictions do mandate it be added to your policy along with the appropriate premium charge.
It depends upon state requirements and the genre of insurance to which you refer. For purposes of this discussion, I will presume that you are referring to auto insurance, as that is the type with which most people are probably most familiar.
Most all states require coverage that pays a percentage of medical expenses and lost wages if one is injured in a collision. Sometimes called "personal injury protection", benefits are paid to the insured irrespective of fault. That is, the insurance is "first party" meaning that one maintains it on oneself and it often extends to all members of the household.
Sometimes, this insurance is subject to a deductible, meaning that payment of benefits is not triggered until the expenses otherwise covered (medical expenses and lost wages) exceed a stated amount.
I dont know about other countries but in South Africa we have the Road Accident Fund which compensates passengers injured in an accident. You should closely read the terms and conditions provided by your insurer.
no-fault insurance Provides coverage if you, a family member, or your passengers are injured or killed in a covered accident involving a driver who doesn't have insurance at all or who doesn't have enough insurance to cover the damage they cause you.
NO, that's what the vehicle insurance is for.
Progressive Auto Insurance will cover your pet if it is injured in an accident with you.
As with anything regarding health insurance, it depends. Generally speaking, in an auto accident the question about medical benefits is secondary to providing the best care for the accident victim. After the emergency has passed is the time for figuring out who pays for the medical expenses. Often health insurance is asked to pay first. However, health insurance companies have a program called "subrogation" that seeks to ensure that the responsible party pays for their share of expenses. In the case of a car accident, typically the auto insurance will be primary and should pay medical expenses first. During the process of subrogation the health insurance provider will contact the auto insurance provider and negotiate who should pay the bills. See http://en.wikipedia.org/wiki/Subrogation for additional information.
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
When people have accidents in their automobile and someone is injured it is required to report it to the police and to their insurance company. This is because the injured person may need a doctors care and the person responsible for the accident is the one that will be required to pay through their insurance company.
Depends on your condition
Yes. If the person has private insurance and is covered the bills go to the health care company to be paid.
If it is not work related your insurance may cover it but it will be like a regular injury. Example: You get hurt at home and you have to go to the doctor. It would be treated the same!
You guessed it!