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I have health insurance, so treatment for my bodily injuries is covered. Someone else is driving, so if his negligence results in a wreck I generally won't be
by massysett 11y ago
I have health insurance, so treatment for my bodily injuries is covered. Someone else is driving, so if his negligence results in a wreck I generally won't be liable to the other driver. I won't be responsible for fixing his vehicle.
That covers most garden-variety car wrecks, so there is little need to be concerned about my friend's insurance. I suppose if I were really on top of things, I would ask my friends for proof of insurance anyway, because maybe I would want to sue him for pain and suffering, which his insurance might pay for (my health insurance would not pay for that, or for lost wages.)
Never seen "riding around in someone else's underinsured car" insurance. Typical umbrella policy wouldn't cover that unless I'm negligent. I suppose I could get disability coverage which might help protect against the lost wages from getting injured in someone else's car.
- samstave 11y agoYour injuries could potentially be more than what your insurance would pay, thus your driving friend would be liable for the injuries. Actually your insurer would likely go after his, assuming he had it, to get their costs mitigated.
- massysett 11y ago> Your injuries could potentially be more than what your insurance would pay, thus your driving friend would be liable for the injuries. I suppose that could happen to some, but my insurance pays for all care after I satisfy the flat out-of-pocket requirement. I suppose my friend would be liable for the out-of-pocket cost, but that would typically be only several hundred dollars--a fair amount of money, but not much relatively speaking if this is a wreck that caused injuries.
- muzz 11y agoWorse-- the insurer will deny the claim and make the patient go after the other person's insurance
- muzz 11y ago> I have health insurance, so treatment for my bodily injuries is covered No, that's not how it typically works. If the injury was caused by car accident, your insurer will likely deny the claim. This happened to me when someone rear-ended me and I went to the ER to get checked out; I didn't want to file a claim with the other party's auto insurance but had to for payment of the ER visit.
- jacquesm 11y agoDepends on your location more than anything else. Health insurance coverage varies wildly from one country to another.
- massysett 11y agoSorry your insurance is crummy. Mine explicitly says it will pay for my care and that my insurance company can seek damages from those who may be liable and their insurers.
- muzz 11y agoIn California, health insurance is not required to and can ask for it back. From the insurance dept website http://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm#ifyouhaveanaccident http://www.insurance.ca.gov/01-consumers/105-type/95-guides/... : "If I am injured in an accident, does my health insurance pay anything? Usually, your health insurance pays for your immediate medical care. Then your health insurance company will typically try to get back money from your auto insurance or the other person's auto insurance. When one insurance company tries to get money back from another insurance company, it is called subrogation."
- deleted 11y ago[deleted]
- bjterry 11y agoThat situation only exists because the other party had auto insurance. If they didn't have auto insurance and you didn't have auto insurance that covered it, your health insurance policy would have covered it.