When my mother died I received her small life insurance payout as a lump sum and it only took a few weeks to receive it. I was responsible for the taxes on it.
Auto insurance I don't know about.
Medical: in the 80s in Calif (when my mother worked in an ER) all patients were stabilised when they were brought in from auto accidents via ambulance even if they were underage. They did not wait to find someone to sign a consent form first because waiting could be deadly to a patient who wasn't stabilised.
But it may vary by state or it may be different now. (I hope it's not; for many injuries the length of time before treatment strongly impacts the chance for survival.)
no subject
Auto insurance I don't know about.
Medical: in the 80s in Calif (when my mother worked in an ER) all patients were stabilised when they were brought in from auto accidents via ambulance even if they were underage. They did not wait to find someone to sign a consent form first because waiting could be deadly to a patient who wasn't stabilised.
But it may vary by state or it may be different now. (I hope it's not; for many injuries the length of time before treatment strongly impacts the chance for survival.)