I can't touch the life insurance thing -- no idea.
With auto insurance, generally it's a reimbursement thing. So let's say the victims are treated at the ER and released -- their best bet is to go self-pay and let their agent, and the agent for the at-fault party, know about the impending claim. I honestly don't know for sure, but I suspect the notifying would best be done by surviving family -- get the police report number, all that. Police will give that to any surviving victims right there.
I imagine some providers accept liability as a valid form of coverage, but speaking very generally, hospitals don't like to go third-party coverage. So in an ER setting, advised to go self pay (any part of the claim that isn't covered by liability can be filed with the victim's health insurance secondary, if they have any), and in an elective setting (subsequent tests, surgeries), there would need to be some serious authorizations in place for a hospital to take the patient without cash on the barrel.
If the kid's parents both died in the accident and there's no family available, no one is going to delay treatment, esp. if the kid's condition is critical. He or she would get the treatment/surgery/etc., while staff and local law enforcement look high and low for family or legal guardians. Everything can be updated later, from family and contacts to insurance.
no subject
With auto insurance, generally it's a reimbursement thing. So let's say the victims are treated at the ER and released -- their best bet is to go self-pay and let their agent, and the agent for the at-fault party, know about the impending claim. I honestly don't know for sure, but I suspect the notifying would best be done by surviving family -- get the police report number, all that. Police will give that to any surviving victims right there.
I imagine some providers accept liability as a valid form of coverage, but speaking very generally, hospitals don't like to go third-party coverage. So in an ER setting, advised to go self pay (any part of the claim that isn't covered by liability can be filed with the victim's health insurance secondary, if they have any), and in an elective setting (subsequent tests, surgeries), there would need to be some serious authorizations in place for a hospital to take the patient without cash on the barrel.
If the kid's parents both died in the accident and there's no family available, no one is going to delay treatment, esp. if the kid's condition is critical. He or she would get the treatment/surgery/etc., while staff and local law enforcement look high and low for family or legal guardians. Everything can be updated later, from family and contacts to insurance.
Hope that helps!