Can the car insurance cover pay the medical expenses in advance?

In general, insurance companies do not pay for medical expenses, with the following two exceptions:

1. If the perpetrator does not pay the expenses in advance, if neither the injured nor the perpetrator has the money to pay the medical expenses, the insurance company will be responsible. Article 31 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that: "The insurance company may compensate the insured for the insurance money, or directly to the victim.

However, if the insurance company needs to pay or advance the rescue expenses due to the rescue of the injured person, the insurance company shall, after receiving the notice from the traffic management department of the public security organ, pay or advance the rescue expenses to the medical institution in a timely manner after verification. ”

2. From the date of receipt of the written advance notice issued by the traffic police department, the diagnosis certificate of the injured person's medical records, and the documents and details of the rescue expenses, the insurance company shall promptly issue a "Letter of Guarantee for Promising to Advance the Rescue Expenses" to the hospital where the victim is rescued or transfer the advance payment to the special account opened by the rescue hospital in the bank, and do not make cash advances, and the car accident accident.

The insurance company pays the medical expenses in advance in the following cases:

Comply with the circumstances stipulated in Article 22 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability;

Received a notice from the traffic management department of the public security organ requesting advance payment;

The victim had to be rescued, and the rescue expenses had already been incurred, and the rescue hospital provided the rescue expense receipts and detailed items;

It is not a salvage expense that should be paid in advance by the road traffic accident social assistance**.

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The medical expenses paid by the insurance company are at most 10,000 yuan of the compulsory traffic insurance. If it exceeds 10,000 yuan, the insurance company will not pay in advance. The normal process is very simple, the driver who caused the accident can directly ask his insurance company for an advance payment.

and provide the hospital, the insurance company will put 10,000 yuan into the hospital's account. After the accident is handled, take the invoice of the medical expenses to the insurance company for verification.

Summary. Dear, the answer to this question is: there are two kinds of insurance for car insurance to pay medical expenses in advance, one is compulsory traffic insurance, and the other is third-party liability insurance.

Car insurance compulsory insurance, and three insurance, can pay medical expenses, but also need to meet certain prerequisites, must be the traffic police after the responsibility is clearly responsible, if the responsible party can not bear the medical expenses, you can apply for the insurance company to use the three insurance to pay in advance, if there is no traffic police responsibility, the insurance company will not pay the medical expenses. The insurance company can generally pay the relevant medical expenses that are reasonable and necessary in advance within the coverage and limit.

And dear, if you still have any questions that you don't understand, you can always ask me questions!

What is the name of the insurance that pays the medical bills in advance with car insurance?

Dear, the answer to this question is: there are two kinds of insurance for car insurance to pay medical expenses in advance, one is compulsory traffic insurance, and the other is third-party liability insurance. Car insurance compulsory insurance, and three insurance, change the speed can pay medical expenses, but also need to meet certain prerequisites, must be the traffic police after the responsibility is clearly responsible, if the responsible party can not bear the cost of medical treatment, you can apply for the insurance company to use the three insurance to pay in advance, if there is no traffic police responsibility, the insurance company will not pay the medical expenses.

Insurance companies generally envy this and can pay reasonable and necessary medical expenses within the coverage and limit. And dear, if you still have any questions that you don't understand, you can always ask me questions!

The insurance company of the compulsory traffic insurance, as well as the insurance company of the third-party liability insurance, have the obligation to pay the medical expenses in advance. The insurance company has the responsibility to pay in advance for the cost of rescuing the Xiaoyan trace. Article 31 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that:

After a traffic accident occurs, if the insurance company needs to pay or advance the rescue expenses due to the rescue of the injured person, the insurance company must pay or advance the rescue expenses to the medical institution in a timely manner after receiving the notice from the traffic management department of the Qiaohe public security organ. Otherwise, once serious consequences are caused, the insurance company will face the most severe penalty of "revocation of the license to operate insurance business".

The amount of compensation for medical expenses under compulsory traffic insurance is 10,000 yuan, so the maximum amount to be paid in advance is 10,000 yuan. Generally, when the injured person is seriously injured, the estimated medical expenses may be far more than 10,000 yuan, and the insurance company will pay 10,000 yuan in full when the person who buys the insurance has the responsibility for the accident, and the estimated medical expenses do not exceed 10,000 yuan, and the advance payment of 3,000-5,000 yuan will be paid according to the situation.

Legal analysis: Yes, whether it is the owner of the car or the injured accident responsibility, the owner of the accident is not necessary to pay the medical expenses first, our country has a clear legal provision, the medical expenses arising from the traffic accident are borne by two departments, one is the owner's insurance company, and the other is the state to set up a rescue association, which is specifically for the injured after the traffic accident to provide the first expense. Therefore, no matter from which point of view, there is no need for the owner to bear the medical expenses in the early stage.

Legal basis: Article 12 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 12 When signing a compulsory insurance contract for motor vehicle traffic accident liability, the policyholder shall pay all the insurance premiums at one time; The insurance company shall issue an insurance policy and an insurance mark to the policyholder. The insurance policy and insurance mark shall indicate the insurance policy number, license plate number, insurance period, name and address of the insurance company, and the claim number.

The insured shall place an insurance mark on the insured motor vehicle. The style of the insurance logo is unified across the country. The insurance policy and insurance mark shall be supervised by the insurance regulatory authority.

No unit or individual may forge or alter or use forged or altered insurance policies or insurance marks.

Summary. Hello dear! Glad to answer for you :

You can be reimbursed by car insurance after paying the medical expenses in advance. In the case of full liability for injuries in a car accident, the insurance can reimburse you. Small traffic accidents can not be carefully calculated, and the insurance company will compensate for the losses anyway.

Major accidents or extraordinarily serious accidents must be argued on the basis of reason, because it is related to how much the traffic police will fine you, whether to suspend your driver's license, and sometimes whether to pursue criminal liability.

Hello dear! We are glad to answer for you: you can be reimbursed by car insurance after paying your medical expenses first.

In the case of full liability for injuries in a car accident, the insurance can reimburse you. Small traffic accidents can be cheated, but the details are calculated and the responsibility is calculated, and the insurance company will compensate for the loss of the grandson brother anyway. Major accidents or extraordinarily serious accidents must be argued on the basis of reason, because it is related to how much the traffic police will fine you, whether to suspend your driver's license, and sometimes whether to pursue criminal liability.

In a traffic accident, as long as you hit someone, the driving party generally has a certain responsibility, and what you have to fight for is the size of the responsibility. In addition, be sure to review the draft to check whether the other party's compensation claim is reasonable, you should not compensate for unreasonable requirements, the insurance company will not compensate, and the traffic police force will not ask you to compensate. The basis for the review is the Road Traffic Safety Law, which is the basis for the traffic police force to deal with hidden accidents, and it is also the basis for the insurance company to make compensation.

Whether the medical expenses paid by the car owner in advance are fully reimbursed by the insurance company depends on the circumstances of the accident, and the medical expenses paid by the insurance company in advance in the event of a traffic accident are: (1) in accordance with the provisions of Article 22 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability; (B) received the public security organs traffic management department required to pay the notice; (3) The victim must be rescued, and the rescue expenses have already been incurred, and the rescue hospital has provided receipts and detailed items for the rescue expenses; (4) It is not a rescue fee that should be paid in advance by the road traffic accident social assistance**.

Legal basis. The circumstances specified in Article 22 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability; (B) received the public security organs traffic management department required to pay the notice; (3) The victim must be rescued, and the rescue expenses have already been incurred, and the rescue hospital has provided receipts and detailed items for the rescue expenses; (4) It is not a rescue fee that should be paid in advance by the road traffic accident social assistance**.

Article 18 of the Interpretation on Compensation for Personal Injuries (1) Compensation items for personal injuries suffered by the victim, including medical expenses, lost work expenses, nursing expenses, transportation expenses, accommodation expenses, hospital meal subsidies, and necessary nutrition expenses. (2) Compensation items for the victim's disability due to injury, and the compensation items for the victim's disability due to injury include, in addition to item 1:

Disability compensation, disability assistive device expenses, living expenses for dependents, as well as necessary expenses, nursing expenses, and follow-up expenses actually incurred due to nursing care and continuation. (3) Compensation items for the victim's death, and the compensation items for the victim's death include: in addition to the expenses in item 1, it also includes compensation for funeral expenses, living expenses for dependents, death compensation, and other reasonable expenses such as transportation expenses, accommodation expenses, and loss of work incurred by the victim's relatives in handling funeral matters.

4) Solatium for mental harm suffered by the victim or close relatives of the deceased.

In a traffic accident, the insurance company can pay the medical expenses in advance, but the insurance company will pay or advance the rescue expenses to the medical institution in a timely manner after receiving the notice from the traffic management department of the public security organ.

Legal basis: Article 31 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that the insurance company may compensate the insured for the insurance money, or directly compensate the injured person for the insurance money.

However, if the insurance company needs to pay or advance the rescue expenses due to the rescue of the injured person, the insurance company shall, after receiving the notice from the traffic management department of the public security organ, pay or advance the rescue expenses to the medical institution in a timely manner after verification.

From the date of receipt of the written advance notice issued by the traffic police department, the diagnosis certificate of the injured person's medical records, and the documents and details of the rescue expenses, the insurance company shall promptly issue a "Letter of Guarantee for Promising to Advance the Rescue Expenses" to the hospital where the victim was rescued, or transfer the advance payment to a special account opened by the rescue hospital in the bank, and no cash advance will be made.

1. The situation of the insurance company paying medical expenses in advance for the car accident.

1) Circumstances that comply with the provisions of Article 22 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability;

(B) received the public security organs traffic management department required to pay the notice;

3) The victim must be rescued, and the rescue expenses have already been incurred, and the rescue medical dismantling hospital has provided receipts and detailed items for the rescue expenses;

(4) It is not a rescue fee that should be paid in advance by the road traffic accident social assistance**.

2. Suggestions on the issue of medical expenses for accidents.

1. For the driver who caused the accident, the rescue expenses and necessary surgery expenses of the injured should be paid in advance, so as to at least ensure that the injured person's injury is not expanded due to lack of money for medical treatment, which delays the best opportunity, which not only causes the injured to suffer more serious injuries, but also invisibly increases the liability of the infringer and the insurance company in the later claim.

2. For the victim, it is the best situation for the driver to pay all the medical expenses in time, but in the case that the driver who caused the accident is not worthy of the mountain Yuyu to pay in advance, he should pay the first expense in time, and if the first cost is tight, he should contact the traffic police department in time to see if he can coordinate with the insurance company, the perpetrator or the medical department to get help, and protect the health interests of the injured in a timely manner.

3. If the medical expenses are paid in advance, the party who advances the payment should keep the medical bills or receipts issued by the injured party in order to use them as evidence in the later litigation to claim the corresponding rights.

Regarding car insurance, some insurance companies require customers to pay for the maintenance costs first, and then the insurance company will reimburse the customer for the repair cost when the customer repairs the vehicle. But that's not the case with all insurance companies. Therefore, as a car owner, when you insure your vehicle, you can consult the insurance company first, and whether you need to pay the repair cost in advance when you repair the vehicle in the future.

Then go and choose an insurance company that doesn't have to pay out-of-pocket expenses. Because according to the normal process of insurance claims, the insurance company pays compensation to the customer and repairs the car at the same time, so that the insurance claim procedure is carried out together with the car repair, which will reduce the impact on the customer and speed up the time of the entire insurance claim. Article 2 of the Insurance Law of the People's Republic of China The term "insurance" in this Law refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating for the property loss caused by the occurrence of the accident that may occur in the contract, or bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

When repairing the vehicle, as the owner of the car, you need to know that the insurance company's claim fee is based on the amount on the vehicle damage assessment document issued by the damage assessor after the professional inspection of the vehicle, to determine how much the insurance company will claim. In this process, if the car is repaired, if there is a new car failure that the damage assessor has not found after the car is repaired, the vehicle can be re-determined at this time. Therefore, for vehicles with car insurance, it is more reasonable to determine the claim amount of the car first, and then repair the vehicle.

In the event of damage to the vehicle, as the owner of the car, it is necessary to protect the scene of the accident at the first time, so that professional personnel will identify the loss of the vehicle, rather than an accident, and immediately drive away to find a place for repair. After waiting for the arrival of professional damage assessors, the vehicle will be professionally inspected before the vehicle is repaired.