accident attorney Insurance Claims and Coverage 2

Question 1

What is med-pay (medical payments) coverage in auto insurance?

Accepted Answer

Coverage that pays the insured's medical expenses after an accident regardless of fault

Answer

Coverage for the at-fault driver's medical bills only

Answer

A Medicare supplement program for auto accidents

Answer

Coverage limited to hospital emergency room visits

Question 2

What does no-fault auto insurance mean?

Accepted Answer

Each driver's own insurer pays their medical expenses and lost wages regardless of who caused the accident

Answer

No party is ever legally liable for accident injuries

Answer

The at-fault driver's insurer always pays all damages

Answer

Courts determine fault before any insurance payments are made

Question 3

What is a coverage dispute between an injured party and an insurance company?

Accepted Answer

A disagreement over whether the insurance policy applies to the accident or the type of damages claimed

Answer

A dispute over who caused the accident

Answer

A conflict between two injured parties over shared coverage

Answer

A disagreement between the attorney and client over fees

Question 4

What is the purpose of an independent medical examination (IME) in an insurance claim?

Accepted Answer

The insurer's selected doctor examines the claimant to assess injuries and potentially challenge the treating doctor's findings

Answer

The court appoints a neutral doctor to determine permanent disability

Answer

The plaintiff selects an expert to testify about their injuries

Answer

The government conducts an exam to verify workers' compensation claims

Question 5

What is stacking of insurance policies in accident cases?

Accepted Answer

Combining the coverage limits of multiple vehicles or policies to increase total available insurance

Answer

Filing duplicate claims with multiple insurers for the same accident

Answer

Adding a rider to increase policy limits after an accident

Answer

Layering liability policies to cover excess damages

Question 6

What happens when an accident claim exceeds the defendant's insurance policy limits?

Accepted Answer

The plaintiff can pursue the defendant's personal assets or seek recovery through their own UIM coverage

Answer

The insurer pays all damages regardless of the limit

Answer

The excess damages are waived automatically

Answer

The court reduces the verdict to match the policy limit