你上面原来说的是bodily injury coverage,确实不保你自己的医疗费用,但如果所谓的“半保”中包括你列的那个

来源: 水中捞月 2016-03-10 08:32:17 [] [博客] [旧帖] [给我悄悄话] 本文已被阅读: 次 (2295 bytes)
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Medical expense,在很多州是个选项, 但如果在你的州是强制的,则就有会赔付你的医疗费用(无论你是否是有错方)。

请仔细看看DMV对bodily injury liability和Medical expense的定义:

Liability Bodily Injury Coverage

Nearly every state in the country requires that every car driven on its public roads be insured with liability insurance. Your state will have a set minimum requirement for how much liability insurance you must have.*

Liability coverage consists of two parts:

  • Bodily injury coverage: Pays for medical costs associated with injuries suffered by others in an accident you cause.
    • It is important to understand that this coverage does not pay for your own injuries.
  • Property damage coverage: Pays for damage to another person's property (e.g., vehicle) in an accident you cause.

When you're injured, the at-fault driver's bodily injury coverage will pay your medical expenses. If you are at fault, you'll have to use one of the coverages below.

 

Personal Injury Protection (PIP)

Medical Payments

http://www.dmv.org/insurance/how-to-cover-medical-expenses-through-car-insurance.php

 

Purchasing Medical Payments Coverage

While medical payments coverage is generally considered optional, your state may legally require it be written into your policy, though you may be able to reject it in writing.

http://www.dmv.org/insurance/medical-payments-coverage.php

所有跟帖: 

我的帖是回那位说如果自己错,半保不付自己那部分的账单。所以一直讨论的都是半保。你看我放上来那张保单就知道了。 -白云青山- 给 白云青山 发送悄悄话 白云青山 的博客首页 (149 bytes) () 03/10/2016 postreply 10:03:15

半保,全保不是严格的说法,区别在你买了多少选项,强制性的基本保险就是Liability inusrance, -水中捞月- 给 水中捞月 发送悄悄话 水中捞月 的博客首页 (2902 bytes) () 03/10/2016 postreply 10:38:02

保险公司当你说不要full coverage, 自动就给你我那张保单里面的各种条款。除非你特别说要waive。 -白云青山- 给 白云青山 发送悄悄话 白云青山 的博客首页 (1241 bytes) () 03/10/2016 postreply 12:25:32

说话要有依据,你找出一个保险公司liability coverage包括你说的那几项, -水中捞月- 给 水中捞月 发送悄悄话 水中捞月 的博客首页 (44 bytes) () 03/10/2016 postreply 12:38:04

老兄,里面都说了,一般你说要liability coverage only, 保险公司就给你上那几项。我上面那张保单,就是我跟保 -白云青山- 给 白云青山 发送悄悄话 白云青山 的博客首页 (709 bytes) () 03/10/2016 postreply 13:30:44

肯定不是所有的保险公司都这样做,不过这样做的很普遍,所以我问:你肯定说半保不付自己那部分的费用?不是说肯定付! -白云青山- 给 白云青山 发送悄悄话 白云青山 的博客首页 (0 bytes) () 03/10/2016 postreply 13:45:45

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