WHO PAYS MEDICAL EXPENSES IN A CAR ACCIDENT?

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?

The detail of the coverage of expenses for occupants may have differences in the insurers. Some of the aspects included in most are:

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.
Nurses
Ambulance services if necessary.
Funeral expenses in the event of death.

The medical expense coverage specifies a total amount as the sum insured for the accident and a limit per person. The amounts insured differ in different insurers, so it is important to make sure of what the policy offers. If in an accident the limit for any of the occupants is reached, but there is still a total insured sum, an extension can be requested for the person still hospitalized.

What are the exceptions in the coverage of medical expenses?

Expenses derived from an accident caused by a fight between the driver or those accompanying the insured vehicle are not covered. Nor when they stem from a suicide attempt. Other important exclusions from protection are:

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.

There are other exclusions in the various insurers. To find out about all of them, it is convenient to request a copy of the general conditions of auto insurance.

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