auto medical payment coverage

1)要是我Claim了, 保險公司經過調查,認為沒有辦法弄清是不是
車禍造成的,他們照Policy 該是如何處理?
You do not pay medical payment, you have no coverage, period.

2)是不是這裏的朋友都同意這樣的說法是對的, 那就是:
要是你的車保沒買medical payment, 就算車禍造成的也不會付,
我感到這一點有點不可信, 因為現在除了沒醫保的人, 大概沒人
會在車保中加買medical, 可是出了車禍,不管是誰的錯 受傷的那部份醫療費,難道都由各自的醫保出嗎? 想想不可能吧?

If the other party is lia*****le, his/her liability will pay your medical expenses.

Auto medical payment coverage advantages:

A. You and all the passagers are covered no matter who is at fault, as long as auto accident related.

B. If the other driver is liable, you do not need to pay back the medical expenses to the healthcare provider or auto underwriter after your injury case settled; while with your normal medical insurance, they will put lien on your case and you have to pay them back though the bills can be compromised.

C. With Allstate, the expenses will be reimbursed as soon as you have the receipts. And it is your choice whether to choose auto medi first.

I believe different underwriter has its own regulations.

3)一個車禍發生後, 在多長的時間裏是可以Cliam 的
In CA, within 2 years.

所有跟帖： 

• 回複：auto medical payment coverage -dedebo- ♂ (486 bytes) () 07/05/2008 postreply 17:47:11

• 回複：回複：auto medical payment coverage -zclearwater- ♀ (173 bytes) () 07/05/2008 postreply 18:10:14