Who should cover the medical expenses and what are the limits in hit and run cases?

Answer 1

If you mean a "hit-and-run" in which the at-fault driver is unknown, your medical expenses would be covered by any medical coverage you have on your own policy, since of course you have no way of identifying the other driver and getting his/her insurance information. If your state doesn't require you to carry medical coverage on your auto policy, you would approach your health insurance. If the other driver who hit you left the scene, but you or the police were able track him/her down, the other carrier may or may not be responsible for your medical expenses, depending on the laws of your state. If you have first-party medical coverage on your own auto policy, they would still be primary because you pay for that coverage. Depending on what type of vehicle the other driver was driving, your carrier may or may not go after his/her carrier for reimbursement. Now, again, if the at-fault driver is unknown, you may have what is called a UMBI claim with your own carrier. UMBI means "uninsured motorist bodily injury," and a hit-and-run for which you aren't at-fault would usually trigger this coverage. A bodily injury settlement is for pain and suffering, though if you don't have auto medical coverage or your own health insurance, your UMBI settlement may just be enough to cover your medical bills. So, really, it depends on the specifics of your loss, your state's laws, the type of coverage you carry, etc. Talk to your claims rep for more specifics and for guidance as much as possible, to see what your options are.