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

Medical payments coverage pays for the insured and passengers' medical expenses after an accident, no matter who was at fault.

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-fault insurance requires each party's insurer to pay their own insured's losses up to policy limits, reducing the need for litigation over minor claims.

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 coverage dispute involves the insurer arguing that a policy exclusion, condition, or definition bars payment of a claim.

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

An IME is requested by the insurer or defense to obtain a second medical opinion that may dispute the severity or causation of the claimant's injuries.

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

Stacking allows an insured to add together the UM/UIM limits from multiple vehicles on the same policy to maximize recovery.

accident attorney Practice Test

accident attorney Practice Test

accident attorney Insurance Claims and Coverage 2