by rjohnson » Tue Aug 24, 2010 01:17 pm
my wife hurt her back when she was thrown in the air by a big wave while riding on my boat. We don't have boat insurance, but have good medical insurance. Is there any issue iwht our medical insurnce covering this accident?
Posted: Tue Aug 24, 2010 03:43 pm Post Subject:
Not that I can see. She was injured in an accident. If you don't have Medical Payments under a boat policy then I see no reason why health insurance would not address this next.
Posted: Wed Aug 25, 2010 09:44 am Post Subject:
See, if you have the right kinda coverage then you needn't get scared about it. Go through your health policy papers and make sure you have boat insurance before you ride in it for the next time.
Posted: Wed Aug 25, 2010 10:43 am Post Subject:
See, if you have the right kinda coverage then you needn't get scared about it. Go through your health policy papers and make sure you have boat insurance before you ride in it for the next time.
Well, here's an example of an unknowledgeable person offering bad advice. Aside from having "the right kinda" coverage, this illiterate person's suggestion to go through your health policy papers and make sure you have "boat insurance" for "the next time" is, to be blunt, hysterically funny.
Boatowner's insurance has nothing to do with health insurance . . . it is roughly equivalent to an auto insurance policy. You could spend a month looking at your health policy and never find anything about boatowner's coverage.
As tcope has said, as an accidental injury, you personal health insurance will cover the cost of your wife's medical care up to the policy limits ($1,000,000 or more, lifetime), minus any required deductible, coinsurance, or copays. A boatowner's policy would not be likely to provide more than $5,000 available for such a medical payments claim (but that $5,000 could be used to cover the out-of-pocket deductible, coinsurance, or copay expenses).
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