What medical conditions do you have to declare for car insurance?

What can prevent you from getting car insurance?

What are 3 other common reasons that car insurance claims can be denied?

What does medical cover on an auto policy?

Medical payments coverage can help with medical expenses associated with an auto accident — for you, your passengers and any family members driving the insured vehicle at the time of the accident — no matter who is at fault. It typically covers doctor visits, hospital stays, surgery, X-rays and other medical bills.

Can you get car insurance if you have seizures?

Auto insurance and epilepsy

Carriers generally cannot drop you because you have seizures. However, if your license was suspended or restricted by the DMV, you may not be able to insure your vehicle. Contact your carrier and notify them of your condition to make sure you are covered.

How Does Medical Payments Coverage Work With My Car Insurance Package?

Do you have to tell car insurance about epilepsy?

You'll need to tell your insurer about your epilepsy for your motor insurance to be valid. If you need to give up your driving licence it can be difficult to keep your vehicle insured (for example to insure it against theft).

Can you drive on anti seizure medication?

If your doctor has diagnosed you as having a seizure disorder, states will require that you are treated for that condition with medication designed to prevent seizures and that your seizures are under reliable control before the state will allow you to drive.

Which of the following would not be eligible for a personal auto policy?

Which of the following is not eligible for a Personal Auto Policy? A vehicle used as a public or livery conveyance is not eligible for a Personal Auto Policy.

Which of the following uses of a vehicle is not excluded under the medical payments coverage?

Which of the following uses of a vehicle is not excluded under the Medical Payments coverage? -Bodily injury sustained by an insured isn't covered if the insured is using a vehicle while engaged in business.

Why do some auto insurance customers want medical coverage for their policies?

Medical payments coverage helps pay for medical and funeral expenses after a car accident. It's an optional form of auto insurance that typically covers the policyholder, family members driving the car and any passengers. Also known as medical payments coverage or MedPay, coverage applies no matter who's at fault.

Which is a common reason why insurance claims are rejected?

The claim has missing or incorrect information.

Whether by accident or intentionally, medical billing and coding errors are common reasons that claims are rejected or denied. Information may be incorrect, incomplete or missing.

What would be some reasons that a claim is denied by an insurance company?

Which of these would be a valid reasons for a claim to be denied?

Can an insurance company deny you?

A car insurance company can deny coverage for almost any reason. An insurer might deny coverage to a driver who it believes poses a higher risk and is more likely to file a claim. Additionally, each state may have different criteria for why an insurance carrier is allowed to deny coverage.

Do you need to inform car insurance after surgery?

Your insurance company should always be informed about your operation. Some companies will not insure you for up to 4 weeks after an oesophagectomy, so it is important to understand what your policy says.

Can I be denied health insurance because of a pre existing condition?

Health insurance companies cannot refuse coverage or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.

Which of the following are covered under Part D coverage for damage to your auto of the personal auto policy?

Collision damage, which pays for damage to your car because of a collision with another vehicle or object. Other-than-collision damage (comprehensive) coverage, which pays for losses due to theft, fire, glass breakage, and falling tree limbs, for example.

What is not considered occupying an automobile?

A vehicle while located for use as a residence would not be an uninsured vehicle. The Miscellaneous Type Vehicles coverage includes recreational vehicles. Occupying an automobile is not considered which of the following? Occupying means in or on a vehicle which includes getting in, getting out, and jumping off.

Which of the following are true regarding physical damage coverage except?

All of the following are true of automobile physical damage Coverage D, except: It is written only with split limits of liability; Limits of liability may be either split or single.

What are the three eligibility requirements for a personal auto policy?

Eligibility Requirements: CAARP eligibility requirements include (1) California residents, (2) nonresidents who own a vehicle registered in California, or (3) members of the military stationed in California.

What are the three major parts of a personal auto policy?

Again, liability protection coverage has a basic format that covers three areas: bodily injury per person, bodily injury per accident, and property damage.

Which of the following could be considered an uninsured motorist?

An uninsured motorist (UM) is an at-fault driver who has no auto insurance, does not have insurance that meets state-required minimum liability amounts, or whose insurance company is unwilling or unable to pay the claim. A hit-and-run driver would also be considered an uninsured motorist.

Can you drive after a one off seizure?

To drive, you must meet all normal driving requirements and must have been completely free of seizures for one year, with or without taking anti-epileptic drugs (AEDs). Different regulations may apply if your seizures do not affect your consciousness (see below).

How long can you not drive after having a seizure?

In most states, you must be seizure-free for anywhere from 6 months to a year before you'll be allowed to drive.

What is the most severe type of seizure?

Tonic-clonic seizures, previously known as grand mal seizures, are the most dramatic type of epileptic seizure and can cause an abrupt loss of consciousness, body stiffening and shaking, and sometimes loss of bladder control or biting your tongue.