Can the auto insurance company pay me directly for my medical expenses or do they have to pay the doctor?
Dec 27, 2006 by Lorraine | Posted in Insurance & Registration
Q: I was in an auto catastrophe and I have medical insurance. My medical insurance covered my medical expenses; however, I wanted to know if the auto insurance is still exposed for those expenses? It seems as if my having medical insurance should benefit me and not the liable party's auto insurance company. If I did not have medical insurance the auto insurance company would still have to pay for those expenses. So shouldn't they still have to pay for those expenses and I get what ever is progressive that my medical insurance company did not pay? Are there any laws statures that back this up in Georgia? I am trying to settle this claim without getting an attorney and I neediness all the help I can get. Any advice would be helpful. I am in the process of writing a demand letter. Thanks for all the hands.
A: Your medical insurance provider will meet from the insurance company of the driver who caused your injuries. This process is called subrogation. It is standard business throughout the US.
You are not entitled to dual benefit from your injuries. Go ahead and consult an attorney -- he or she will almost certainly determine you the same thing.
If you have a pain and suffering claim, that would be paid by the insurance company of the at-fault driver, assuming that there is any dwelling left on his liability coverage. If he had minimum liability that's probably been exhausted already. An attorney can servants with that part of your claim if need be.
Bostonian In MO | Dec 27, 2006
What auto insurance company has cheap rates for adding a 16 year old first-time driver to an insurance plan?
Jan 16, 2009 by Jesus V | Posted in Insurance
Q: We charged in Florida, and my son has just turned 16, He wants to get his licenses but we don't want our insurance to go up too much. From what I consent it is very expensive, yet i hear other people saying that some auto insurance company's have very cheap rates for adding a first at the same time driver. So if there are any other parents that know of a company that they use that is pretty cheap please let me know.
Thank you.
Yes we are planing on "adding" him to our pattern.
A: I tout you locate a local car insurance agent to help. Since I live in Kentucky I can't suggest an emissary in Florida, but here is an website that can help you. http://www.easyautoinsuranceguide.com/Fl orida-Car-Insurance.html
Saintly Luck!
mariko m | Jan 16, 2009
Is the auto-insurance claim information shared if I switch the insurance company?
Jun 19, 2008 by Sean P | Posted in Insurance & Registration
Q: Hi!
I am with auto-insurance company X upper now and due to few number of insurance claims that I had made, my insurance is going up. I am wondering if I try to switch to some company Y, will X share my claims info with Y?
Thanks!
A: Most of the point, yes they will find those prior claims.
Many insurance companies participate in a national database that tracks claims. They will also verify you MVR records of any tickets or accidents. It is very difficult to slip one past an insurance company.
Fraudulently stating fewer claims than you in point of fact have is not a good idea. If you filed another claim and the prior ones were discovered, they could Imperative get lost the new claim, back charge you a higher rate, and/or cancel the policy on the spot.
Because your reproach went up due to the claims, it's not a bad idea to shop around, just make sure they are rating you with conversance of those prior claims.
Nate W | Jun 19, 2008
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Auto/Car Insurance Coverage Laws Explained - New York State
*New York Submit Auto/Car Insurance Coverage Laws Explained We have two types of insurance in New York State required of every motor carrier. One ...
Texas Auto Insurance FAQ | Insurance Articles | InsState.com
by admin
Whether you are new to Texas, or have lived here your unscathed persevere, the chances are profitable you are booming to basic to ask some questions about auto insurance in Texas. Is it required-and if so, how much is required? When will you sine qua non to show shore up of insurance? What happens if I get into an mistake that is not my transgression, but the other driver has no insurance? Yes, auto insurance in Texas is most clearly required for all drivers. Texas law requires all drivers to at least persevere b manage debt insurance. Often called 20/40/15 coverage, this nominal tactics covers up to $20,000 per injured mortal physically, $40,000 for everyone mangle in the fortuity, and $15,000 for belongings devastation. Note that this group of auto insurance in Texas does not dissemble you, it only covers the victims of the accidents you case. One way in which requisite auto insurance in Texas is enforced is by requiring drivers to show buttress of insurance when registering your car or renewing your registration. If you do not have it, your registration sticker will discontinue and you may be pulled over and come by two tickets-one for expired registration, and another for not having resistant of insurance.
