A routine drive in Indiana could take an unexpected and tragic turn if an accident happens. A rear-end collision or a sideswipe could leave a victim rushing to the emergency room. The doctors would provide the necessary care, but a costly bill might follow. Some injuries might be so severe that surgery and rehab are required. Expect the costs following such a treatment to be significant. Insurance may cover some of it, but if they don’t, which insurance policy handles the expenses?
Insurance and auto accidents
Anyone carrying a health insurance policy could use the coverage for medical bills and related follow-up care. Each policy has particular terms, and the coverage might not include all the expenses related to vital care. The accident victim might face a $6,000 deductible requirement, and the policy may only cover 80% of the bills. Some care might fall outside the coverage areas, meaning that the policy won’t pay.
Those left with excess costs after filing health insurance claims and those without health insurance could take legal action. If the accident was caused by the other driver’s negligence, the person may file a lawsuit to offset some of these costs.
Other insurance points
Indiana is an at-fault auto insurance state, meaning that anyone who suffers harm or a loss because of someone’s negligence can file a claim against the driver’s auto insurance policy. The claim could seek more than compensatory damages for medical expenses. The victim may seek punitive damages and damages for lost wages.
Those hit by an uninsured or underinsured driver could file a claim with their provider if they carry uninsured motorist coverage. As with auto liability claims paying for medical bills, serious negotiations might be necessary.
Insurance companies might attempt to make low settlement offers to accident victims. However, the victim’s representative may negotiate a higher amount.