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Smart Shopper Questions About Auto Insurance & Accidents
4405 messages, Last post on Oct 17, 2009 at 9:53 AM
You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester
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Replying to: diegoelvis (Jun 29, 2009 7:30 pm) tidester, host SUVs and Smart Shopper |
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Replying to: diegoelvis (Jun 29, 2009 7:30 pm) One of the items you bring should be insurance records for the last three years..at least your policies presently in force. The Yankee companies can tell by your previous policy a lot of information. The more of the good they know = lower cost. I understand your employer is providing a vehicle for you and they will carry Liability insurance which will cover them, but how about you and your wife? Don't ask, but tell them to add your name and your wife's name to the policy as "Additional Named Insureds". Then you can be sure you & she will be covered when driving the "company" car. If you are not American citizens, expect to pay a little more with any company. Enjoy your stay. |
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From Edmunds Answers, someone's passenger undoes their seatbelt to grab something, and the driver wrecks. Who pays for the medical diagnostic to check out the passenger's head? Steve, visiting host |
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Interesting question...at least in GA, there could be multiple answers...I'll try some of them... 1. Most likely the driver is charged with fault in the wreck, altho the passenger has contributed to the wreck (I am assuming the driver lost control because of the passenger's actions), and it may be possible that the passenger could be ticketed with some kind of reckless action...if the driver is faulted, then the driver's medpay would be one source of payment for meds... 2. Assume same as above, the passenger MIGHT recover from the driver's liability policy, but if the passenger literally caused the wreck, the liability carrier may refuse to pay... 3. If the passenger has their own medpay, and the driver can prove he has none, then the passenger medpay will pay... 4. If the passenger has group health insurance, then his group will pay the diagnostic bill...if the passenger recovers from driver's liability policy, then health insurance will subrogate...if no recovery, then health insurance becomes provider of last resort... 5. If driver was driving illegally as an uninsured motorist, and passenger has no auto insurance (may not own a car, and would not have auto insurance), and is unemployed and has no health insurance, then it depends on how nice the hospital is, or whether or not there appears to be a true emergency...if an emergency, hospital would do all that is necessary regardless of ability to pay...if NOT an emergency, hospital is not required (I believe this is right) to provide unlimited services is there does not appear to be an emergency... 6. Not knowing the circumstances, maybe passenger unbuckling had nothing to do with causing the accident, and their car simply got rearended by another driver...assuming the other driver is insured, they are liable, at least in GA...all the medpay info as stated above, along with group ins would stay the same... It is kinda like a flow chart...1. At fault driver insurance pays...2. Victim driver's medpay pays...3. Passenger medpay pays...4. Passenger group hlth ins pays...5. Passenger pays out of pocket and pursues all at fault parties...6. Passenger sues and gets judgment against at fault driver for $100K...7. At fault driver comes to scuzzy bankruptcy lawyer like me (...  ...), we file Chapter 7 and wipe out the debt...Passenger now sucks wind forever...    Passenger cannot afford medical debt for wreck that was not his fault, cannot recover from at fault driver due to Chapter 7, so now Passenger seeks out scuzzy bankruptcy lawyer (I wonder who???)and he now files Chapter 7 to get rid of his medical debt... Who wins in this entire mess???...why, the scuzzy bankruptcy lawyer, who else???...now you understand how the world goes 'round... Does that help???...
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Replying to: steve_ (Aug 01, 2009 7:25 pm) What part of the Drivers anatomy did the passenger grab? 
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Replying to: euphonium (Aug 01, 2009 8:07 pm)
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Replying to: marsha7 (Aug 01, 2009 8:00 pm) In a no-fault state (or country, like Canada), would it matter a whit? |
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Replying to: euphonium (Aug 01, 2009 8:07 pm)
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Replying to: marsha7 (Aug 01, 2009 8:13 pm)
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| I reciently had both my vehicles sittting in my driveway when a bad hail storm came through and sharp hail hit hard on my vehicles. each vehicle had over $1,000 damage each. Both windshileds recieved approx. 100 chips, Progressive denies the windshiled claims stateing hail cannot damage a windshield and after fighting with claims rep. now want to cover only one windshield stating chips were caused by stones flying of a truck and charge me another $100 deductable. Progressive seems to have their own policies and only pay for what they want - BEWARE and Warned! Both vehicles recieved the same chips at the same time in same place, maybe a "truck" flew in my driveway at same time hail storm came through and hit my parked cars, anything possible - Right ? Any suggestions out there? | |
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