some questions I need answers for
Mar. 19th, 2011 04:56 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
mickeymAs they're relevant to my Big Bang. Anyone who can answer these will have my undying devotion :)
Life Insurance: in the event of a death (auto accident, not the policy holder's fault), how soon would the named beneficiary receive the payout? Is it paid as a lump sum, or in installments? Are taxes taken out of it, or does the beneficiary have to take care of that?
Auto Insurance: how would this work, if it's the fault of the other party? Would that party's insurance contact the survivors of the accident, or do the survivors have to do the contacting? Presumably doctor bills, etc., would be either paid up front or reimbursed by the party at fault?
Medical: you have a 16yr old brought to your ER. Both parents are dead; nearest surviving relative is on the way, but not expected for several hours. Patient is bleeding internally, in addition to a broken leg and assorted contusions, etc. Would the doctors take the patient into surgery w/out a signed consent form, rather than risk patient's life further? Or would they be forced to wait? Could the emergency (non-relative) contact give prelim consent for the surgery?
Any help is greatly appreciated :)
Life Insurance: in the event of a death (auto accident, not the policy holder's fault), how soon would the named beneficiary receive the payout? Is it paid as a lump sum, or in installments? Are taxes taken out of it, or does the beneficiary have to take care of that?
Auto Insurance: how would this work, if it's the fault of the other party? Would that party's insurance contact the survivors of the accident, or do the survivors have to do the contacting? Presumably doctor bills, etc., would be either paid up front or reimbursed by the party at fault?
Medical: you have a 16yr old brought to your ER. Both parents are dead; nearest surviving relative is on the way, but not expected for several hours. Patient is bleeding internally, in addition to a broken leg and assorted contusions, etc. Would the doctors take the patient into surgery w/out a signed consent form, rather than risk patient's life further? Or would they be forced to wait? Could the emergency (non-relative) contact give prelim consent for the surgery?
Any help is greatly appreciated :)
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no subject
Date: 2011-03-20 02:47 am (UTC)Auto insurance depends on the state where the accident occurs. Different states have different insurance statutes. For instance in Calif, if you have insurance, you have MedPay. Your own insurance pays your bills for medical, if it was someone elses fault when you settle up, the at fault party's insurance company reimburses your insurance company and gives you a sum of money. In Oregon, their medical is called PIP-personal injury protection, and it is similar to the MedPay, but also includes a provision for lost wages. Settlement works the same as in Calif. The not at fault driver's insurance company is entitled to be reimbursed for the expenses they pay out on behalf of their insured.
I've never worked in a hospital, but I would think that with the person being in peril, that medical treatment would be rendered regardless of the age of the person.