I can tell you, because we are going thru this right now. Being a "No-Fault state" at the time of the accident (FL changed Oct 1) our insurance paid for our first 10k of the medical bills. The other person's insurance was supposed to kick in at that point. But, the accident was in November of last year, the other insurance company won't pay their share until the final prognosis is done. Meanwhile, our bilss have totaled nearly 25k since then and we must pay them as best we can until the "settlement" from the other insurance company. They have "offered" only about 12k for services that already total more than twice that, and want a complete medical history for the last 5 years to determine if they'll pay for anything at all.............
I’ll add some more information. Your general liability coverage on insurance is much higher. So often times, the people involved in the accident will go to court, suing for damages.
When they get their, neither side will fight all that hard, someone will mention to the jury what the liability coverage is, and the jury will find in favor of the injured party by the liability amount.
This changes “medical” expenses into “general liability” expenses, which are paid out of the larger fund amount.
In THIS case, it was a one-car accident, the mother lost control on the ice. So their only hope would have been to sue the insurance company, which wouldn’t probably have worked.
But remember, they didn’t have to do ANYTHING. They were automatically covered by SCHIP, they didn’t have to fight the evil republicans or anything. I imagine their insurance paid the initial costs up to the limit, and SCHIP happily paid the rest.
SCHIP or some other Maryland program is now paying for the disabled child’s education, no problem with that either, as frankly the public pays for all sorts of public education.