by Marbleann » Fri Apr 10, 2009 01:42 am
I have been searching for answers and I saw this forum. Maybe someone can help. I live in Texas and was side swiped by a mini van who kept on going. My car went head on in to a the concrete medium on 45. One of my friends was driving my car, thankfully they walked away unharmed. All I remember is hearing some witnesses who actually came back around and saw what had happened. All together I have medical bills adding up to 200,000 dollars and I am still getting PT and OT. Luckily I have health insurance. Here is where I am confused at. I previously lived in NY which is a no fault state. Texas seems different. The PIP is only 2400.00 here. I got a letter and a few checks from my insurance stating I had reached my limit. My medical insurance kicked in there. In NY insurance usually takes care of all of the medical bills. My insurance still wants my medical bills and a paper releasing my med records to them because they say I am entitled to bodily injury. Now I already told them that my health insurance is now picking up the bill. But they said they know that and this is something different and they will pay up to 100,000 dollars. And they will offer me a settlement. Now this is my question I thought bodily injury only took care of the passenger if they did not own the policy. They know that I hold the policy but they are still paying it. One of my friends said it sounds like uninsured driver payout. But as far as I know they never found the driver of the hit and run car. Now I keep on talking to my insurance company and asking them what this is and they keep on saying it is for Bodily injury and they are aware I hold the policy. Is the law different in Texas or is it something else all together? I even asked if I had to pay the health insurance back, they told me they did not ask for it. Now I am not looking a gift horse in the mouth but I would like to know what is going on. Thanks in advance.
Posted: Wed Sep 15, 2010 10:15 pm Post Subject:
in the state of texas if you are a passenger in your own vehicle and someone else is driving with your permission, then your liability coverage will actually cover you for bodily injury.
Posted: Wed Sep 15, 2010 10:16 pm Post Subject:
forgot to add this: the liability follows the vehicle then the driver. Therefore the driver is covered under liab for your policy unless he is specifically excluded with your signature on file. hope this helps.
Posted: Wed Sep 15, 2010 11:19 pm Post Subject:
Wow... revived a thread that was over a year old.
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