no-fault insurance

Do not confuse medical insurance with auto insurance.

In auto insurance, most states are traditional fault/tort based, i.e. insurance will recover damages from the responsible party and/or their insurance. However, in some state, the medical coverage portion in the auto insurance is no-fault insurance, i.e. auto insurer will cover its policy holder's medical coverage, no matter whose fault it was.

On the other hand, the medical insurance are strictly no fault insurance. The medical insurer cannot sue someone for giving you the bug, cut you with a knife, cause you cancer, to recover their coverage on your treatment.

Of course, you are free to sue someone if they hurt you. But that is for your out-of-pocket expenses and pain and suffering. That has nothing to do with your medical insurer (not) recovering money from responsible party.

所有跟帖： 

• 我覺得好像是如果沒人擔事故的責任，醫療保險肯定會付。但如果有責任方的話，醫療保險就會向有責任的 -N.- ♀ (157 bytes) () 05/12/2015 postreply 16:12:42

• Yes, you are right -檸檬椰子汁- ♂ (130 bytes) () 05/12/2015 postreply 21:08:34