insurance

[rdt_handyman]

What is the name of your state (only U.S. law)\

Pennsylavnia


Ok my stepdaughter had an accident with my other step daughter.
the driver does not live with us but the younger does. i am being billed by the hospital for my younger stepdaughter's emergency visit that my health insurance also denied. The driver's insurance is saying that is my wife's auto insurance that should pay for this because my wife's daughter lives with us. she is not under my wife's insurance because she doesn't drive. Isn't the driver's insurance supposed to be responsible for medical bills for a person traveling in the car at the time of the accident. What does my wife's has to do with it.

[JETX]

Originally Posted by rdt_handyman

The driver's insurance is saying that is my wife's auto insurance that should pay for this because my wife's daughter lives with us. she is not under my wife's insurance because she doesn't drive.

Hmmmm... why would your wife have insurance... when she doesn't drive?? Sounds like they might have caught you in insurance fraud (using wife for insurance premiums for daughters 'coverage')??

[ecmst12]

JETX you are misunderstanding - the DAUGHTER doesn't drive, but her medical bills should be covered by her mom's PIP coverage, because PA is a no-fault state. For a passenger, the passenger's own auto coverage or the coverage of a member of her household comes before the driver's coverage. She doesn't have to be named on the policy for the coverage to be in place.