I was injured as a passenger in an auto accident. Who pays my medical bills? My medical insurance?

Question

Or the driver's auto insurance. My bills are $200,000 and his auto insurance limit is $30,000.

Answer 1

There are lots of people having the same question like you and yours is just another one. Basically speaking about car insurance<!--Car insurance is the most widely purchased type of insurance coverage. Car insurance is designed to protect you, your family, and your automobile. You may get your query answered here,

http://www.best-autoinsurance.we.bs/

Cheap car insurance is a popular avenue these days, but you should be sure that you're getting all of the coverage you need, as damage to your car or another-->person's car may cost you money out-of-pocket if you don't have sufficient coverage and your car insurance rate may go up.

Answer 2

the drivers auto insurance...if they do not have ins. than your insur.....if you dont have ins, any household resident with insur.

Answer 3

It's going to depend on what state you are in, and how your insurance works.  

In some states, you HAVE to collect your medical under your own CAR insurance policy.  Some states, health insurance won't pay, unless your car insurance limits have been exhausted.  

Bottom line - regardless of liability (and $200,000 of medical, it's amazing you're still alive), YOU are responsible for the bills, ultimately, if your auto limits are exhausted and the health insurance won't pay.   YOu most likely need to file a claim under your underinsured motorist coverage, assuming the other guy was at fault.

Answer 4

The drivers policy will only pay up to the policy limit of $30,000.  It does not pay more than the limit. It does not matter if you have a lawyer -- the policy limit is the policy limit.

If you have a policy of your own, you may be able to file under your auto policies under-insured motorist coverage.

If you do not have an auto policy but you live with a blood relative who has a policy (even if you are not listed on it) you may qualify for under-insured motorist coverage under that policy.

Keep in mind, under-insured motorist coverage is not required by the state -- so just because you have a policy does not mean you will have that coverage.

The adjuster handling your claim should be able to tell you where to look for other possible coverage. Or your insurance agent should be able to as well.  The laws are different for each state. So the agent/adjuster for your claim will know your state's laws.

Good Luck