Does anyone know what the circumstances of the car accident were?
“Perhaps Alberta’s Child is referring to the fact that when you severely injure someone in a car accident, their hospital bill will commonly be coming out of your pocket or your insurer’s.”
If you have an accident and cause injury to someone in another vehicle, your bodily injury liability will help to defray the medical costs of the folks in the other vehicle.
However, the minimum bodily injury insurance in Maryland is $20,000 per person and $40,000 per accident.
As far as I can tell, however, the auto insurance company would not have had to pay the bodily injury liability to the Frosts, in that it was a single-car accident, and I’m not sure that anyone was held at fault.
In Maryland, the purpose of the personal injury protection coverage (PIP) is to provide for medical cost benefits to the occupants of your own vehicle when you’re in an accident. Thus, I don’t think that the bodily injury liability coverage applies thereto.
However, even if it did, and even if the auto insurance company paid to the limit of the policy, the injuries sustained by these two children far exceeded in cost of treatment $20,000 per child.
Heck, my own auto insurance has liability limits in excess of the state minimums, but even my liability coverage wouldn’t have covered the medical treatment needed by these two kids. We’re talking well into six figures for each child.
It's quite likely that the auto insurer did pay, but that the limits of the insurer's liability were far surpassed, and the children's health insurance kicked in.
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