Some of the things covered by uninsured motorist coverage are also covered by health insurance policies. As part of a person’s car insurance policy, if purchased, uninsured motorist insurance protects people in the event of injury when a person who does not have a car insurance plan is at fault for a crash involving the policyholder. Another type of insurance policy that is available is called UIM coverage. This car insurance plan covers the costs above and beyond what an at-fault driver's policy will cover. There is also health insurance, which many people have. Determining which types of plans you need, particularly if you have health insurance coverage, is a commonly asked question at FloridaDiscountInsurance.
This article will shed some light on whether you need to purchase uninsured or underinsured motorist coverage. Many professionals recommend this type of policy as part of a person’s car insurance package, but many people feel they might not need it due to their health insurance coverage. Find more details by reading on.
While there is some overlap to what a person’s health insurance plan will cover and what uninsured motorist coverage helps pay for, there are some differences between the policies. These differences can have a significant impact on a person’s life. If a car insurance agent tells you that it is not necessary to have uninsured motorist coverage, remember these things. Being well researched is essential, and a person’s health insurance plan is designed to protect them financially. If you do not have the right types of protection, you could find yourself paying thousands of dollars you would not have to otherwise.
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If a person is out of work for an extended period of time, uninsured motorist coverage can help them pay for losses in income they have because they cannot work. People often forget that not only will they have expenses to pay if they get into a car accident, it is possible they will not be able to work for a while as well. This is one of the places where having an uninsured motorist coverage plan can provide massive benefits. Getting this income from your insurance provider can make a huge difference. Also, uninsured motorist coverage will pay for costs associated with the pain-and-suffering a person experiences after being in an accident. This additional money can also be quite helpful.
While not all doctors will do this, some doctors on health insurance plans will refuse to see patients who are involved in a lawsuit or car injury claim, or might be. They often do not want to testify, and they are also allowed to choose who they will or will not see. This can create added stress that is unnecessary. Having uninsured motorist coverage will get rid of these concerns and can lead to smoother treatment and care.
Fortunately, these policies can work together. Having more options for treatment, a person can select whether to use their health insurance or their auto insurance to pay for certain things. It is fraud to receive money for the same thing twice in this case, however, so you will need to coordinate with your health insurance provider and your auto insurance provider when organizing who pays for what and where you will file your claims. In addition, being able to use a Letter of Protection, which is discussed next, can be a large benefit in some cases.
Doctors do not work for free, and in some cases, a person’s no-fault insurance plan will not be enough to cover expenses related to injuries. A Letter of Protection is a letter that is signed by both the patient and the attorney. Essentially, this is a lien against your case and is similar to a mortgage. If you owe money and have not paid it back, this provides a way for the doctor or hospital to recoup their costs. The patient will still be held personally responsible for the bill, regardless of whether there is recovery or not.
A medical provider, in response, will wait until the case is resolved before getting paid. Regardless of how a trial or outcome of medical services ends up, the patient/client will owe money for the services that have been provided. Sometimes this money is won back in court from the other driver, however.
One of the ways a person can protect themselves from situations like this is having a well-rounded car insurance plan, as well as health insurance. Make sure you are purchasing enough coverage to cover larger expenses if they occur. If there are severe injuries in an automobile accident, and the other driver does not have insurance, it is possible you will not recoup the money you have put towards expenses even if you sue the at-fault driver. If they do not have the money or assets available for you to sue for, the situation could end negatively.
If you are found in this position and do not have uninsured motorist coverage, in addition to looking into your health insurance plan, you can contact a personal injury lawyer to explore your options. Avoiding having to do this can start with purchasing an uninsured motorist coverage plan, which can be done at FloridaDiscountInsurance now.
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