Community Chat

[mima]

On 7/18/2014 Bird mama said:

Mima, do you know the insurance company? If I am asking you something this personal I will share my insurance company info. My family member has allstate and I have state farm.

I'm totally guessing they have Farm Bureau. Bob's house insurance is through FB.

[Bird mama]

Mima, here is a link for you to look it. Kansas is a no fault state like Michigan and this information may be helpful. I also took an excerpt from the page (below).

http://www.all-about-car-accidents.com/resources/insurance-law/car-insurance/kansas-auto-insurance-...

<h2>Kansas is a ‘No-Fault’ Car Insurance State</h2>

Kansas is one of a dozen states (plus the District of Columbia) that follow a no-fault car insurance system. After an accident, each driver’s own insurance will pay for medical bills up to the personal injury protection (PIP) limit, regardless of who was at fault for the accident. To step outside of the no-fault system and file a liability claim or lawsuit against the at-fault driver in Kansas, you must exceed your PIP amount and have suffered a “serious injury,” which Kansas defines as including any of the following:

• permanent disfigurement
• fracture of weight-bearing bone
• compound, comminuted, compressed, or displaced fracture of any bone
• permanent injury, or
• permanent loss of a body function.

Keep in mind that the no-fault rules only apply to personal injury after a car accident; if you have suffered property damage as a result of the crash (damage to your vehicle, in other words) the at-fault driver will be on the financial hook for getting the property fixed or replaced.

[TaxyLady]

What is the purpose of having liability insurance if it doesn't pay the driver's medical expenses? Just to pay the other person's medical bills? I think paying for all person's involved in the accident is why liability insurance is required in most states. Now they may have a clause that states that you must use your medical insurance first.

[mima]

On 7/18/2014 Bird mama said:

Mima, here is a link for you to look it. Kansas is a no fault state like Michigan and this information may be helpful. I also took an excerpt from the page (below).

http://www.all-about-car-accidents.com/resources/insurance-law/car-insurance/kansas-auto-insurance-...

<h2>Kansas is a ‘No-Fault’ Car Insurance State</h2>

Kansas is one of a dozen states (plus the District of Columbia) that follow a no-fault car insurance system. After an accident, each driver’s own insurance will pay for medical bills up to the personal injury protection (PIP) limit, regardless of who was at fault for the accident. To step outside of the no-fault system and file a liability claim or lawsuit against the at-fault driver in Kansas, you must exceed your PIP amount and have suffered a “serious injury,” which Kansas defines as including any of the following:

• permanent disfigurement
• fracture of weight-bearing bone
• compound, comminuted, compressed, or displaced fracture of any bone
• permanent injury, or
• permanent loss of a body function.

Keep in mind that the no-fault rules only apply to personal injury after a car accident; if you have suffered property damage as a result of the crash (damage to your vehicle, in other words) the at-fault driver will be on the financial hook for getting the property fixed or replaced.

I am not very smart when comprehending stuff like this. Does this (above) say Bob's insurance will cover Mary's hospital bills up to his limit? I truly thought liability insurance only covered the other person's injuries.

I guess the reason I don't understand is this is (info. above) for when two vehicles are involved. Mary was the only driver in this situation. I'm not sure how it can be no fault when she was the only driver.

Thank you for the info.

[mima]

On 7/18/2014 TaxyLady said:

What is the purpose of having liability insurance if it doesn't pay the driver's medical expenses? Just to pay the other person's medical bills? I think paying for all person's involved in the accident is why liability insurance is required in most states. Now they may have a clause that states that you must use your medical insurance first.

I thought liability insurance only paid for the other guy (in this case there is no other guy), and full coverage pays for both parties involved.

Since we have a newer car, we have full coverage which pays for our losses also.

I probably am totally wrong. Thankfully I haven't had any experience in using our insurance.

[mima]

On 7/18/2014 Bird mama said:

Mima, you are not talking to yourself. I needed a second cup of coffee to help me think.

LOL

[mima]

On 7/18/2014 RedTop said:

I would think that if the accident is Mary's fault, she should use her medical insurance to cover her hospital expenses. However, my liability coverage lists an amount for bodily injury and property damage, but I would think that is to cover who, or what you damage, not to cover yourself, or the person driving your vehicle.

This is what I thought too. I'm trying to figure out if that is right or not.

[Bird mama]

Mima,

Here's a link the defines no-fault insurance

http://www.all-about-car-accidents.com/content/what-no-fault-insurance

A no-fault car insurance system is followed in the District of Columbia and 12 states: Florida, Hawaii, Kansas, Kentucky, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.

If you’re a driver in one of these states and you get into a car accident, the first thing you need to understand is that under no-fault rules you turn first to your own car insurance coverage to get payment for medical expenses and lost income, up to certain limits. It’s irrelevant who caused the accident (that’s why it’s called no-fault).

[RedTop]

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.

[Bird mama]

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