TABLE OF CONTENT
- If I cause an accident, who pays for medical expenses?
- If I am not responsible for the accident, who covers the medical expenses?
- What does the coverage of medical expenses to occupants include
- What are the exceptions in the coverage of medical expenses
When you have a traffic accident, in many cases medical expenses are incurred for the companions and third parties involved. In all cases, the person responsible for the accident must pay the expenses. This implies that car insurance has contemplated the various situations in its different policies.
If I cause an accident, who pays for medical expenses?
If the driver of an insured car is responsible for causing an accident, the medical expenses of the injured will be covered as follows by the various coverages of the policy:
- Liability coverage for injuries to third parties, for those outside the car that caused the accident.
- The protection of medical expenses for the driver and other occupants of the insured car.
Liability coverage is contracted for any auto insurance policy at all insurers. Coverage for medical expenses is normally included starting from the basic coverage policy and in all other more comprehensive packages. It is important to verify when hiring that it is included since some insurers offer it from the limited coverage.
If I am not responsible for the accident, who covers the medical expenses?
Those who caused the accident will be those who are in charge of paying their own damages and those caused to third parties. However, having coverage for medical expenses with auto insurance, the insurer itself normally takes care of these, to later claim payment from the driver or drivers responsible for the accident.
The medical attention required is immediate, so it must be given even when the responsibilities for the accident have not been determined.
What does the coverage of medical expenses to occupants include?
- Hospitalization expenses, which include room, food, medicine, physical therapy, and other normal services.
- Medical care, which covers the payment of fees for doctors, surgeons, and other professionals required for adequate healing and rehabilitation.
- Ambulance services if necessary.
- Funeral expenses in the event of death.
What are the exceptions in the coverage of medical expenses?
- Cosmetic surgery, even if it is required as a result of the accident.
- Unlicensed medical and nursing expenses.
- Fees of doctors and nurses who are relatives of the patient.
- Experimental treatments.
- Relapses caused by the voluntary suspension of treatment.