Call and ask your agent
Is there an auto insurance company in Fresh Jersey that offers makeshift insurance?
What you mean by improvised, if it’s six months some companies can insure you, I suggest you view offers from different companies in your area.
If medical insurance will not cover injuries from an auto accident why do they ask if you have it and then limit your coverage?
Medical insurance should cover any injuries substained no matter how they were caused. Health insurance is only responsible (in most cases) for what your car insurance and the third party involved’s insurance does not pay. Legally, car insurance is primary over health insurance.
If a pedestrian is found at fault in an accident involving a car and pedestrian which insurance would pay the medical bills – the auto insurance or the pedestrian’s health insurance?
Since Pedestrians always have the Right of Way, It is very uncommon if not unlikely to find them at fault unless fraud or gross negligence can be established. Traditionally The drivers liability insurance will pay their medical bills..
It depends on your state’s laws, but typically — and strangely enough — you’ll find that the auto insurance will cover the pedestrian’s medical bills. On the other mitt, if your state doesn’t require you to carry medical coverage (either Medpay or PIP) on your car insurance, the pedestrian might have to go to his or her health carrier..
The reasoning behind this is that, despite liability, it’s against public policy to not cover the medical bills of a pedestrian hit by an automobile. If auto insurance didn’t pick up those bills, it would have a cascade effect on all the medical providers and vendors who attended the pedestrian.
If your auto is hit the other driver’s auto insurance pays all medical expenses and so does your health insurance must you reimburse your company?
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
Does the other insurance company have to pay for all medical bills if the accident was their client’s fault?
Depends on what state you are in and what your state’s laws are. If you’re in a no fault state, your insurance will pay for all of your medical bills no matter who is at fault.
If an auto insurance pays for medical claims and a settlement is received from an at-fault driver for bodily injury is that to repay the insurance co?
According to my insurance company, if i receive money from theat fault other driver as in a settlement, then yes I have to repaymy own insurance company for the medical related expenses they paidfor me that fell under my medical coverage policy. So if you have10,000 in bodily injury and you used Five,000 in medical and you wereawarded 20,000 by the other insurance company, you must pay themback that Five,000 and can keep the rest. This may not be true for allcompanies. Your claim advisor or insurance agent should be able toanswer for you. The other screwy thing is that if you have to go tocourt to get a settlement or any money awarded, my insurancecompany said they will not pay for any costs associated with alawyer or court but that if I get any money, I HAVE to pay themback all the medical they paid out on my behalf. I can choose toget whatever settlement is suggested and get the leftovers, I canhire an attorney(out of my pocket) or I can do nothing. I am notsure why we pay these people. .
In the UK there are very clear distinctions betweencompensation for ache and suffering for bodily injury and financialexpenses such as medical expenses. Often the sums paid by your autoinsurer on your behalf including vehicle repair expense will beclaimed directly by your auto insurer from the person at faultwhilst your solicitor deals with the claim for your bodily injuryand extra financial losses. However, your solicitor willliaise cautiously with your auto insurer to ensure that theinsurer’s rights are not prejudiced and all decent monies arerecovered. To see examples of the types of compensation you canclaim click the related link entitled “traffic accidentcompensation”. .
In Florida, the reaction depends on whether you haveuninsured/under-insured motorist (“UM”) coverage. Very first, your owncompany must pay the very first $10k, then the at-fault party must paythe remainder, up to the policy thresholds. If the at-fault party’spolicy boundaries do not cover all the expenses and you intend to seekthe unpaid remaining expenses from your policy (the UM coverage)and not from the at-faulty party, then you must obtain permissionfrom your own insurance co. prior to lodging for the at-faultparty’s policy boundaries. As to the very first bulleted response above: thatperson should truly find someone UNBIASED to seek advice fromother than the employee of the for-profit insurance company.
Do you have to reimburse a health insurance provider that paid for medical bills if you received a bodily injury settlement from your auto insurance?
If they have a Subrogation Clause (Section of Property Insurance and Liability Insurance policies providing an insurer the right to take legal activity against a third party responsible for a loss to an insured for which a claim has been paid) in their contract (and most do). The above response is correct. What this means is you need to take this into consideration when determining on a settlement. If your health insurance paid $50,000 in benefits and your attorney gets 30% of what he/she recovers, lodging for $75,000 may sound nice but you will likely never see a nickel of it.
If you have health insurance will your PIP pay for an injury in an auto accident?
In Florida, PIP will pay 80% of the bills till a total of $Ten,000 is reached. .
After the $Ten,000 limit, the health insurance will kick in as if that was the primary insurance. .
So what about the 20% before the $Ten,000. Send the remaining balance bills to your health insurance or the provider if the provider belongs to the health insurance list. Most of the health insurance companies will pay nothing of the 20% as the auto PIP will have paid several fold the allowable amount that the helath insurance pays had it not been as a result of an auto accident. They will tell the provider that no extra payment is due. So you will not pay a dime from your pocket till you reach the $Ten,000 limit. .
But if you are going to a out-of-network provider, I do not know. So when you go to ER or a doctor, tell them you only want to see your health insurance providers. They may not do so but insist..
Beaware of even network providers attempting to ask you to pay the balance if your health insurance company does not pay anything. They become greedy like anyone else..
The sun is setting on reqd PIP in Florida. It is a boon for people who have a insurance as they will not go thru the hassles that providers put you thru for the balance of the PIP. On PIP, charges are 3-4 times what is permitted by health insurance companies. So hospitals and doctors make a killing. With PIP gone in Fall, now the lawyers will make a killing by suing for injuries. And if you are not insured, you are in trouble even if the accident was not your fault. PIP was a good idea, but when hospitals and doctors got greedy, it became to be known as a scam. .
With our mentality of making money in the brief run, this is what the consumer gets. He is shafted no matter what, just getting shafted by different people. Do you want to be shafted by the medical community or the lawyers. Take your pick.
In California if you do not have auto insurance and you are involved in an accident that is not your fault does the insured at fault have to pay your medical and or anguish and suffering?
California law restricts owners and operators of motor vehicles injured in a motor vehicle accident from recovering compensation for anguish, suffering, inconvenience, physical impairment, disfigurement, and other non-pecuniary damages if the injured person was not insured at the time of the accident
If your wifey had an accident and she was not on your insurance and was driving a rental car that had sui and cdw but no pai for medical injury who pays your auto-ins rental-ins or medical-ins?
Your medical insurance will most likely pay; however, you will have to put in a claim to the other insurances very first and get a written copy of denial before your medical insurance pays on a car accident. Make sure your doctors’ billing offices have those instructions. I fought the charges from a surgery for 6 years before the hospital admitted they messed up the billing procedure.
Does Illinois homeowners insurance cover medical costs for injuries to another person caused by the insured in an accident in the state of Wisconsin?
The liability section of a Home insurance policy covers you anywhere any time as long as it is not malicious intent.
If an insured motorist is at fault and hits an unisured motorist will the insured motorists insurance company pay the expenses of the uninsured person?
Yes, this is because as you stated, the insured driver was at fault. The at fault driver is responsible regardless of the insured status of the person they hit..
A good rule of thunb is this,, If they had insurance would I be responsible If the reaction is Yes, then the reaction is still Yes
Your brother has an old no-fault insurance policy from an auto accident in 1978 His health has deteriorated and he needs to go to a nursing home Can the insurance company be required to pay for this?
it is doubtful that he could come back to this 1978 accident and collect from it for his state of healt now…..the longest statue of limitations i am aware of is Ten years
Does an insurance company have to pay the lien holder directly after an auto accident?
An insurance company generally does not pay the lien holderdirectly. The vehicle proprietor is responsible for paying for insurancecoverage and will often deal with the insurance company themselvesafter a collision has taken place.
Will your health insurance cover medical expenses if you are injured in a car accident?
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 very 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 very 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 extra information.
Can you sue at fault driver in California who has insurance if his insurance company denies to pay your claim for medical expenses or do you have to sue his insurance company?
yes. you can sue an at fault driver if his insurance company turns down to pay your claim. it would not be decent to sue the insurance company.
In an auto accident does the insurance company pay damages to whom will do the repairs or to the individual driver?
It depends. In MOST cases, the insurance company will have someone (called an adjuster) assess the harm on your car and write an estimate. After that, your insurance company will contact you on which bodyshop you want the work done at OR sometimes they will pick one for you. The company will then contact the shop who will in turn contact you providing you the ok to bring the car in once they have the approval from the insurance company to begin assets work.
Which insurance company pays for auto accident settlement?
all do. however, if you get to many accidents they can drop you. If you are looking to be insured, ask the insurer, they will tell what they will permit and what they don’t.
Does the insurance company pay medical bills if involved in an accident?
Depending on the type of accident and sometimes who is responsible but generally yes..
Please, next time, read the fine print of your contract.
Question If you are involved in and auto accident in Florida and the other driver is at fault but has no auto insurance and you are injured can you sue your insurance company for injuries?
No, you cannot sue your insurance company for injuries….actuallly, I take that back. You can sue anybody for anything…but in this case, you would not win. Your policy should have a coverage called Uninsured Motorist Coverage. Typically, this would cover the injured parties in your vehicle if the accident was caused by an uninsured driver. This would cover your injuries in such an incident. Unluckily, this coverage is not discussed by most insurance agents and is included as an afterthought. Be sure to check your policy and see if this is there. You should never have a lower Uninsured Motorist coverage than your Bodily Injury amount.
Private Injury occurred after auto accident The person who caused it is insured through same insurance company as mine How do you seek resoulution for injury?
You would need to consult a lawyer to determine potential settlement. Some lawyers give free case evaluations
How far back can an insurance company in Fresh Jersey go to check for accidents?
Reaction from a General Insurance Agent .
They can go back as far as they want too. But most insurers will only be interested in the last Three to Five years of your driving record.
Will private medical insurance or car insurance pay medical expenses in an auto accident?
Your choice, depending on which coverage is better. Attempt the auto insurance very first. but reminisce, their job is to minimize costs, and sometimes you have to go where they send you. they may have thresholds depending on the policy and state laws. your medical coverage is designed to cut costs by keeping you alive and healthy to keep paying them. they don’t make money off dead people or people too sick to work and keep coverage. they will usually end up paying for long term issues, especially if they don’t pop up right away or if a pre existing conditioned is worsed. how much wor$e is the back ache, truly? you should go through the auto insurance if its drastic, expensive, extensive care. if its minor aches and agony just pay your Ten$ or $20 copay and go to your primary care physician (your doctor). if you get hurt in an accident, go to the closest hospital right away, don’t delay or the ins co may attempt to loophole out of paying you, thinking scam alert. i once tapped a duo in their 50’s when i was 16 and only driving for a few months. he slammed on his cracks after realizing he was about to miss his turn. at 20 miles in a 25 (it was 200 yards after a turn) i hit a pile of humid leaves next to a stone wall and skidded into them. i was sited no fault as i could not get off the road or go into opposing traffic (why they stopped). they were complaining about how hard i hit them and she was telling he already had a bad back and now this. the office on the scene asked them did they want him to call them an ambulance to take them to a hospital. She said right away no, they were going to their own doctor. after they left the cop told me they would be trouble. but they were denied due to lack of physical proof and officer testimony. so the moral is because some scam, they reason all are potential scammers until proven actually hurt.
How long does the insurance have to pay you for an auto accident?
If you still have a loan on the car, the money will go directly to the repair place. That is to protect the lender in helping to maintain the value of the car. If you are looking for direct payment for repairs that you are doing yourself, make sure you are presenting the charges to them in the manner they expect. It will expedite things.
If you are a passenger in another persons automobile and you sustain injuries in an accident whose insurance pays for medical bills?
The insurers of the driver who was deemed to be at fault for the accident.
Will crohns disease be auto decline for health insurance?
In most cases yes. Crohns disease patients find it very difficult to get standard and affordable health/life insurance. Premiums for diagnosed patients when available tend to be very high.
If no auto insurance will medical insurance pay?
If you have an auto accident and you do not have auto insurance with medical payments coverage for your injuries and medical costs, you may need to research the coverages available through your medical insurance policy. If you are not at fault for the accident that caused you injury, and the third party insurance provider has taken responsibility for the accident, the at fault party’s liability insurance should pay for medical injuries up to the boundaries on their policy. Because you do not have insurance, receiving a claim payout might require more work because you do not have an adjuster working for you. If you were at fault for the accident and you do not have auto insurance, you will need to speak with a representative from your medical insurance company to discuss the coverage provided under that policy. You may have a co-pay or a percentage you are responsible for depending on if you have an HMO or PPO.
In an auto accident in California do you bill your auto insurance as the primary insurance or your health insurance?
If you have both medical insurance and auto insurance, the primary company billed will depend on the situation. If your injuries and medical costs were caused by an auto accident and you carry Medical Payments coverage, you will bill your auto insurance provider. If you do not carry Med Pay insurance coverage, as it is optional in the state of California, the circumstances will depend on who is deemed at fault for the accident. If the other party is at fault, you will bill their insurance company and will advise your claims adjuster as well. If you are deemed at fault and do not carry Med Pay, the only insurance you can bill is your medical insurance provider. Be sure your medical insurance provider does not exclude injuries caused in an automobile accident before approving chiropractic care.
When you are in an auto accident with no insurance will the other persons insurance pay for their cars damages?
Their insurance policy will pay for their own car. However you must know it’s against the law not to have insurance coverage for your auto.
What can I do if both me and the insurance company can’t get into contact with the person at fault of the auto accident.?
Hopefully the Police can provide the info, if not hopefully your insurance company can. You may end up filing a lawsuit, with all the expense, to force the government to release the contact info.
What is the amount that an insured person must pay before reimbursement for medical expenses commences?
Your health insurance policy will specify DEDUCTIBLE amounts on the Declarations page (usually the very first page) of the insurance policy. This is the amount that you must primarily pay before the insurer is on the risk for any payment. Additionally, there are copayments, also specified in the policy, for which you will be responsible. These recognize that the insurer is only responsible for a portion of covered expenses incurred. An example is that the insurer would pay 80% of the covered expanse, and the copayment would therefore be 20%, which would be the insured’s responsibility.
In California Can a provider bill the health care insurer if a person is injured in an auto accident?
Yes. If the person has private insurance and is covered the bills go to the health care company to be paid.
Is individual accident insurance the same as income protection insurance?
It may depend on the policy but usually there is some overlap. The example in the related links is an income protection policy but it also covers individual accidents.
Does the auto insurance company notify of an accident if a person was driving under another person’s name who is paying for the insurance?
If what you are asking is whether the insurer notifies the insured that the person was driving under his/her name when a collision occurs, the issue will very likely not arise until a very first or a third-party claim is made. At that time, the insurer will investigate, and will need to know the identities of the parties involved. If the person who was driving was not listed on the application/policy as an authorized user of the car, coverage will very likely be denied. This is because a premium was not paid to insure that person. Premium is based upon various risk factors private to the person/people to be insured, and this person’s risk factors would not have been able to be considered by the insurer, and therefore, no premium calculated or paid.
Will your medical insurance cover you in an auto accident?
Yes it should, but the auto insurance company may have to pay the medical insurance after the claim is paid.
What types of insurance do accident and health insurance companies provide?
The accident and health line consists of the following categories: group, credit, collectively renewable, non-cancelable, assured renewable, nonrenewable, and other individual health and accident lines. In 2014, health insurers in the US will not be able to deny coverage because of pre-existing conditions. Therefore, most policies will be “guarantee-issue.”
Will auto insurance cover medical bills from an auto accident?
Yes. Most states require that the registrant of an auto to maintain a type of coverage to pay for his/her own medical expenses and a portion of lost wages as a result of a collision. This is generally payable without regard to fault for the collision and is payable under the injured party’s own policy. Since fault is not an inssue, it is usually called “no-fault coverage”. All policies of insurance have exceptions and exclusions, depending upon the circumstances of the occurrence. Therefore, albeit coverage is generally provided, the circumstances of a particular case may give the insurer a defense to payment.
Can a insurance company not pay the claim on a auto accident and the passenger died?
There are legitimate reasons why an insurance company would deny a claim. If you were in the accident as the result of an illegal act for example, you had no license or a suspended license, etc.
What happens if medical expenses exceed auto insurance coverage after an auto accident?
1. Most states have a requirement that a registrant of an auto maintain “individual injury protection” (PIP) coverage (altho the name may be different). This is the essence of so-called no-fault auto insurance. Essentially, it pays a percentage of the insured’s own medical bills and lost wages, up to a maximum amount, arising from an auto collision. It pays those expenses irrespective of fault for the collision. Two. Most insurers also suggest a Medical Payments coverage. This is often an optional coverage. It pays an extra amount toward medical expenses , and often coordinates with the PIP coverage. Therefore, if the PIP coverage pays 80% of the medical bills, up to the policy boundaries, the medical payments coverage will pay the remaining 20% up to its policy thresholds. Trio. If medical expenses exceed #1 and #Two, one’s major medical insurance is triggered. The auto insurance is “primary” in the sense that its benefits have to be weakened before major medical insurance is called upon to pay. This is because auto insurance is required by state “financial responsibility laws” and for the further reason that it and the major medical insurance contain “coordination of benefits” provisions making the auto insurance primary. Four. If medical expenses still exceed the total available auto insurance and major medical insurance (including, if there is no major medical insurance), the injured party/insured is personally responsible for unpaid amounts. In this situation, the health care provider frequently is willing to work out payment arrangements. Alternatively, the unpaid amounts may be discharged in bankruptcy, but this is a very drastic step and should be avoided if at all possible.
Can the insurance company at fault deny paing for treatment to injury from auto accident?
Sure. Reminisce that an insurance policy is a legal contract wherein the insurance company agrees to accept risk from the policy holder according to the terms of the contract. If the policy holder does not live up to the terms of the contract then the insurance company may deny coverage. For example, if the person lied to the insurance company on the application then the insurance company may deny coverage. One of the terms of the policy is that the insured agrees to inform the insurance company of all residents of the home as well as regular drivers. If the insured does not list his 17 year old child who drives one of the vehicles regularly and lives in the house and then the child has an accident the insurance company could not be expected to provide coverage for the accident. Since the insured broke the terms of the policy which is a legal contract then the company most likely will not provide coverage because the insured committed material misrepresentation and lied in a significant manner on the application.
What happens if you lie to auto insurance company about previous accidents on a fresh quote?
In most administrations it means that the quote does not decently apply, your insurance is not valid, and your circumstances are then exactly the same as someone who is not insured. There could in some cases be further legal penalties on top.
What will auto insurance companies usually pay to lodge a claim for two violated ribs private injury?
No two auto claims are exactly alike and so no settlement is exactly alike. It will depend on all the factors and fault as to the accident. Who you are in relation to the policy and which policy is paying the claim. Are injuries long term or brief term. What the physicians say about future treatment or disabilties from the injuries. There are too many factors to give you a number with any accuracy at all. Sorry.
Will your health insurance cover bodily injury in a car accident?
Yes, but only as a secondary coverage to all other auto insurance claims you might have (like bodily injury liability against the at fault driver or individual injury protection coverage in no-fault states).
Does health insurance cover bodily injury in an accident?
Different states and policies can have different benefits and coverages. Health insurance will cover medical costs related to an auto accident but in most states they are secondary to automobile insurance. This means that the auto insurance will be responsible for payment very first and health insurance will pay after that. If the health insurance company goes ahead and pays the claim or at least the very first few bills then you receive payment of file for payments on the auto insurance you will be responsible for reimbursement to the health insurer.
How long to pay insurance premium to Insurance Company after accident?
In general, insurance policies will have a grace period within which premiums can be paid after the regular due date. If the premium is paid within the grace period, coverage resumes as normal. If not paid by the end of the grace period, the policy lapses. If a claim occurs after the policy has lapsed, there will be no coverage. The policy may contain language limiting your capability to make a claim if the premium has not been made on time, albeit the grace period has not yet expired. Therefore, the precise response to your question will be dictated by tje language of the policy. In all events, you should certainly make the premium payment before the grace period expires and the coverage lapses for non-payment of premium.
Which insurance companies will cover an accident injury?
Most health insurances should cover an accident injury. It is significant to look over one’s health policy to ensure that accidents are indeed covered entirely.
Where would one go to process an auto accident individual injury insurance claim?
One would or could go to various places. These places include the DMV, or the auto insurance company which distributes their auto insurance to claim an auto accident individual injury insurance claim.
What are some high risk auto insurance companies in Fresh Jersey?
If one is looking for high risk auto insurance companies in Fresh Jersey, one could attempt the Fresh Jersey Manufacturers Insurance Company. The IFA Auto Insurance is also worth a look.
What companies suggest auto accident insurance?
Any good car insurance company will suggest auto accident coverage as part of their services. Some well known companies include AAA, All State, State Farm, and Progressive. Rates will vary according to one’s driving record.
Which reputable insurance company can suggest cheap auto insurance in Fresh Jersey?
The reputable insurance company that can suggest cheap auto insurance in Fresh Jersey is none other than IFA Auto. IFA Auto is one of the most reputable auto insurance companies for Fresh Jersey.