Question almost coup¨¦ insurance?
My brother got surrounded by a car happenstance and the person he hit go to the hospital. He also had .07 blood alcohol. My friend told me that insurance doesn't cover hospital visit if the driver was drinking. Is this true? If so, how should he settle up for the hospital visit for the party he hit?
Answers:
IF YOUR BROTHER HAS CAR INSURANCE THE HOSPITAL BILLS WILL BE COVERED NOT TRUE THE PERSON WILL BE COVERED EVEN IF YOUR BROTHER WAS DRINKING DON'T LISTEN TO YOUR FRIEND CALL THE INSURANCE CO THEY WILL TELL YOU I HOPE ALL IS WELL GOOD LUCK
OK, I don't know which party the friend is, or which knees-up the brother is. BUT. It IS possible that on a policy, there is an exclusion for a name person who is underneath the influence. Sometimes they have to be lawfully drunk - which .07 is NOT, in any state that I know of.
I own ALSO seen LIABILITY exclusions, on COMMERCIAL policies solely, where there's no LIABILITY coverage if substance verbal abuse is going on.
It's EXTREMELY RARE to have that features of exclusion, and I don't believe a PERSONAL policy can have a liability exclusion approaching that.
In other words, If the at fault being is saying they don't hold coverage for medical, tell them fine, I'm suing you ANYWAY. If the NOT at quirk person is motto it, there's a strong likelihood they are WRONG.
The party who pays for the hospital visit FIRST, is the individual being treated. THEN, they sue the "at fault" personality in court. If they win, and the at condemn person have no money or assets or insurance, well, consequently they don't usually get reimbursed.
As long as he be under the legally recognized limit for mortal intoxicated, his insurance should cover the costs. Even above the limit, it might, depending on whether at hand was an exclusion within the policy.
the hospital should be covered under your brother's liability coverage, since he be liabile for the accident.
Get a legal representative. They would love this one. He wasn't drunk.
He wasn't ticketed for OWI. You will be fine and the costs will be paid.