Community Chat

[mima]

On 7/18/2014 Bird mama said:

The first link that I gave you, outlines the minimum required insurance as defined by the State of Kansas.

Oh thank you. Sorry, I didn't open it because I thought what you posted below the link is what the link said. I'll go read now. Thanks again!

[mima]

On 7/18/2014 RedTop said:

Yes, you carry liability coverage for the person, or property you hit or damage, not for yourself. If Mary has no medical insurance to cover her hospital expenses, she needs to look into filing for the charity program to get those expenses covered. The hospital would not sue Bob, but it is possible that circumstances could warrant Mary to sue Bob for payment of her medical expenses, current, and future, if she should happen to have injuries that persist for years to come.

Boy would that NOT be fair. Wow! Bob is nice letting her use his vehicle AND paying the insurance on it.

[151949]

When my parents were in an accident that took their lives my experience was - the auto insurance paid my dad's hospital bills until the total of the policy was used up - which happened in about a week. Then his medical insurance took over.So I would assume the person who was driving this car as the primary driver will be covered until the car insurance is done then her health insurance will take over.

[mima]

I found a link that says Kansas law makes you have coverage for the driver up to $4,500 and Mary will get $900 a month disability up to a year. BUT $4,500 will not cover the medical expenses I know. Bob said he just had the minimum coverage.

http://www.ksinsurance.org/consumers/autoinfo.htm

[mima]

On 7/18/2014 happy housewife said:

When my parents were in an accident that took their lives my experience was - the auto insurance paid my dad's hospital bills until the total of the policy was used up - which happened in about a week. Then his medical insurance took over.So I would assume the person who was driving this car as the primary driver will be covered until the car insurance is done then her health insurance will take over.

She has no health insurance. That is why Bob is concerned.

[millieshops]

State laws vary widely, but I do know years ago when my father sold auto insurance, liability insurance, including the personal injury aspect, was to pay for damage done to the "other guy." There are separate clauses in policies, along with separate payment lines, that cover the driver and her passengers. Is it the same in Kansas today? No idea.

In the states where I have had insurance, I no that no fault exists to cover the medical expenses of the others, not those of the driver. Again- different states may have different laws. Auto insurance is not a federal law.

I do know that wherever you buy insurance, those are the laws you want to meet - and the more assets you have (income, bank accounts, investments, real estate) the more liability insurance you want so that if you're sued you're covered.

[terrier3]

Wait a minute. Bob owns the car, Bob pays for the insurance on the car. Bob allows someone else to drive the car.

Bob's CAR was in a accident.

Bob's insurance pays the hospital bills for the driver and for anyone else involved.

That is what happens in NY State at least.

Five years ago, my son borrowed my car. He was bringing it back to me and got in a fender bender with an unlicensed uninsured woman who was driven a rental car (NOT rented to her) that was one month overdue for return (was essentially stolen - the police towed it away and brought it back to the rental company).

She wanted to sue my son for a black & blue mark she got on her hand. She wanted $7500. After having 3 different lawyers handle her case, she decided it was worth $750. Both my son and I have to give a deposition (she refuses to settle with my insurance company). The police were called, but didn't file an accident report because there was no damage to either car and no one was injured. She actually went to the hospital and they said she wasn't injured and they couldn't treat her.

I am responsible because the car is in my name and I have insurance on the car. I gave my son permission to drive it - but since it was MY car, I am being sued.

[mima]

On 7/18/2014 terrier3 said:

Wait a minute. Bob owns the car, Bob pays for the insurance on the car. Bob allows someone else to drive the car.

Bob's CAR was in a accident.

Bob's insurance pays the hospital bills.

Bob has Mary as the principle driver with the insurance co. Does that make a difference?

I did find that it is Kansas law to have $4,500 personal injury. So Mary will be covered a little bit. What happens to the balance? Is Mary or Bob responsible?

[Bird mama]

Mima, I own two cars and I dropped the insurance on the old one to strict no-fault back in March. I am looking at the bill right now.

Liability Coverage - Bodily Injury Limit- $50,00 per person, $100,00 per accident; Property Damage Limit - $100,00 each accident. These are the payout limits for the OTHER PERSON and THEIR VEHICLE, should I have an accident.

The part of this policy that would apply to me as the insured driver is called Personal Injury Protection Coverage. This PIP coverage is what Mary is eligible for under the Farm Bureau Policy.

Does this help?

[mima]

On 7/18/2014 Bird mama said:

Mima, I own two cars and I dropped the insurance on the old one to strict no-fault back in March. I am looking at the bill right now.

Liability Coverage - Bodily Injury Limit- $50,00 per person, $100,00 per accident; Property Damage Limit - $100,00 each accident. These are the payout limits for the OTHER PERSON and THEIR VEHICLE, should I have an accident.

The part of this policy that would apply to me as the insured driver is called Personal Injury Protection Coverage. This PIP coverage is what Mary is eligible for under the Farm Bureau Policy.

Does this help?

Yes, thank you! So Mary will have some coverage, but not enough I'm sure.