I’ll add some more information. Your general liability coverage on insurance is much higher. So often times, the people involved in the accident will go to court, suing for damages.
When they get their, neither side will fight all that hard, someone will mention to the jury what the liability coverage is, and the jury will find in favor of the injured party by the liability amount.
This changes “medical” expenses into “general liability” expenses, which are paid out of the larger fund amount.
In THIS case, it was a one-car accident, the mother lost control on the ice. So their only hope would have been to sue the insurance company, which wouldn’t probably have worked.
But remember, they didn’t have to do ANYTHING. They were automatically covered by SCHIP, they didn’t have to fight the evil republicans or anything. I imagine their insurance paid the initial costs up to the limit, and SCHIP happily paid the rest.
SCHIP or some other Maryland program is now paying for the disabled child’s education, no problem with that either, as frankly the public pays for all sorts of public education.
Florida just changed Oct 01 back to regular insurance after having been No-Fault for over 30 years, using the same arguments that were used when we went No-Fault back in the 70’s,....lower rates,, better coverage, etc., blah, blah,blah...........
Not true. In most states, the rules of evidence prohibit the jury from learning about insurance coverage, and the mere mention of "insurance" will cause a mistrial.
In THIS case, it was a one-car accident, the mother lost control on the ice. So their only hope would have been to sue the insurance company, which wouldn’t probably have worked.
IIRC, Maryland is a "no-fault" state. Most no-fault laws require each driver to look to their own insurance policy for medical coverage. An injured passenger in a one-car accident would be entitled to first party medical benefits subject to the policy limitations. In Maryland, the minimum coverage is $20,000/$40,000, which means coverage up to $20,000 per injured person, not to exceed $40,000 per incident. But again, this is the minimum coverage and nothing prohibits a person from buying greater coverage, which I highly recommend, particularly if the person has assets to protect or doesn't have any health insurance. (For example, I have a $500,000/$1,000,000 automobile policy and an additional $1,000,000 of coverage under an umbrella homeowners policy.) So if the Frost family only had the minimum automobile inusrance coverage, then they have failed their family twice.
One other point, under many no-fault laws, an injured passenger suffers "serious bodily injury" can sue the driver for pain and suffering and economic loss.