Archive for April, 2013

Will I Have To Pay Back My Medical Insurance

Most automobile accident insurance policies provide med pay. Medpay covers the cost of your medical bills incident to a car accident whether or not you are at fault. The typical medpay provision will cover up to $5,000 of medical bills including ambulance, emergency room, medications, physician billings, chiropractic treatment and medical supplies as long as they are related to your vehicle collision.
Most medpay contracts indicate that if you recover monies from the other drivers insurance company for pain and suffering, you must reimburse your own insurance company.

As an example, assume that your company, ABC Insurance company pays out $5,000.00 to your medical providers incident to the subject accident. Then, you recover $100,000.00 against the other drivers insurance carrier, DEF, Insurance company. You must reimburse your own company ABC Insurance $5,000.00 out of the $100,000.00 you received from DEF Insurance Company.

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Cruise Ship Injuries – Sources and Concerns

Taking a vacation on a cruise ship is a popular choice for many Americans and their families. Cruise ships offer exotic destinations, the promise of wonderful food, and a family-friendly environment that many find irresistible. How irresistible? Just look at some of the numbers. The worldwide cruising industry is incredibly large, with an estimated income of $40 billion in 2010 alone. Almost 15,000,000 Americans take a cruise every year, and each person spends an average of seven days aboard ship, spending an average of $1,800 per passenger. That means a family of four can expect to spend over $7,000 on an average cruise.

Yet as popular as cruising is, there are potential downsides. Though major accidents and disasters are rare, they do happen. One of the most recent occurred in January of 2012 when the Costa Concordia sank off of Italy, resulting in the death of 32 people. But the big disasters are very rare. What’s far more common is for people to suffer injuries while aboard ship. Many of these injuries are relatively minor, but other injuries, such as people falling overboard or being injured as the result of an assault, are very serious. In 2010, for example, 20 passengers fell overboard on cruise ships around the world, while 58 separate incidents of collisions, fires, or other disabling incidents involving cruise ships also took place, resulting in numerous injuries.

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