auto medical payment coverage

1)要是我Claim了, 保险公司经过调查,认为没有办法弄清是不是
车祸造成的,他们照Policy 该是如何处理?
You do not pay medical payment, you have no coverage, period.

2)是不是这里的朋友都同意这样的说法是对的, 那就是:
要是你的车保没买medical payment, 就算车祸造成的也不会付,
我感到这一点有点不可信, 因为现在除了没医保的人, 大概没人
会在车保中加买medical, 可是出了车祸,不管是谁的错 受伤的那部份医疗费,难道都由各自的医保出吗? 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)一个车祸发生后, 在多长的时间里是可以Cliam 的
In CA, within 2 years.

所有跟帖： 

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

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