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 Posted: Thu Nov 12, 2009 12:31 am Post subject: Filing a claim when you don't have medical insurance |
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Hi,
My girlfriend has no medical insurance. Yesterday she was driving her dad's car (she doesn't own her own car) and was hit by another car. They exchanged insurance information and she has filed a claim.
Today she woke up with moderate to severe back pain and doesn't know what to do. Should she go to the doctor and save the bills with the confidence that the insurance will comepnsate for her injuries? How does it work when there is uninsured victim?
Also, she is planning to file an after-the-fact police report after getting some advice.
The insurance company will call her tomorrow to get details from her. I don't want her to be pushed over by the insurance agents.
Any help you can give will be useful
Thank you!!!! |
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radhikarao77
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Joined: 12 Nov 2009
Posts: 1
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| Posted: Thu Nov 12, 2009 12:42 am Post subject: |
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The key factor here is whether or not the insurer is going to accept liability. If they do accept that the other driver was at fault, and is therefore liable to pay for the damage to her dads car and her injuries, then yes she can have confidence that her medical costs will be apid for PROVIDED the insurers limit of liability is not greater than the cost of her treatment.
It all depends on the amount of cover the other driver has. It's actually him that is responsible for paying her costs, but as he has insurance, it will step in to pay on his behalf (uopto the policy limits), provided they accept that he is liable.
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heidrek
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Joined: 19 Oct 2009
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| Posted: Thu Nov 12, 2009 6:59 am Post subject: |
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I guess she has the permission to drive her father's car being a part of the household. In that case, her father's insurance may pay for the damages and then realize it from the at-fault party's carrier. But yeah, she should discuss the matter with her Dad and share it with his carrier without wasting much time.
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anonymous00
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