Quote:
Originally Posted by Lamplighter
Aren't MVA's (including medical) managed by the car insurance,
not via the personal health care insurance ?
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In most cases medical damages incurred via a MVA are paid in this order:
1)Auto PIP (Personal Injury coverage). Most people, in fact the VAST MAJORITY of people only have $5,000 of PIP coverage.
Personal injury protection is coverage for medical and other expenses, such as wage loss and funeral expenses, which result from an auto accident.
2)Once that is used up (typically the transport TO the hospital is in the several thousand dollar range) it goes to the individuals personal health insurance coverage.
3) After that it goes to the individual them self.
For example, lets say a young man is driving a car and swerves off the road hitting a tree. He suffers traumatic injuries at the scene and is transported to the hospital where he stays for a month. After which he is transferred to a rehabilitation facility and stays for another four months.
Total Bill: $2,000,000
Auto insurance paid ......................$5,000
Personal medical insurance paid.....$1,800,000
Father is responsible for ...............$195,000
Yup.
