In most cases, your insurance company is responsible for paying any medical bills that are accrued after a car accident. The way it works is that the insurance company pays your medical bills, and is then reimbursed by the person who was responsible for the accident. If you were a victim of an accident and do not have insurance, you can use the other person’s insurance coverage to pay for medical expenses. Finally, if car insurance from both parties is not enough to cover the expenses, your regular medical insurance policy can kick in to pay for your support.
If every legally driving member of your house is not included in your car insurance scheme, they will be classified as excluded drivers. In such cases, if the excluded person was driving the vehicle at the time of the accident, none of the costs of the accident will be covered by the insurance company. If you have been charged with drunk driving, you might find that there is a clause in your insurance policy that removes the responsibilities for paying for the damages using insurance money.
You are required to have liability coverage to protect other drivers, and their damages will be covered by your insurance policy. Again, as a last resort, your medical insurance policy can be used in place of an ineffective car insurance coverage policy. Another issue that needs to be prepared for is if you happen to suffer from some form of medical condition. In case the accident further exacerbates the condition, it can be very difficult to prove in front of a judge that the condition was worsened by the accident. This can make the process of demanding treatment coverage for your illness very difficult since the insurance company will always try to pay out the least amount of money possible.
An attorney should be consulted if you’re going to try to prove your case in court, and detailed information regarding the seriousness of your condition should be gathered from the hospital. The testimony of a well-respected doctor counts for a lot in such cases. In general, it is easier to receive compensation for physical injuries rather than mental ones. If the extent of the damage is not physically visible, the judge often underestimates the serious nature of the injury.