Will my Car Insurance Cover Hospital Bills in Maryland?
Reader’s Question:
My 17-year-old step daughter hit a cyclist in an intersection in Maryland while using a car under my name. The victim sustained minor wounds and was brought to the hospital for first aid and a few stitches. My stepdaughter is listed under my motor vehicle insurance policy. Will my insurance shoulder the hospital bills incurred as a result of the accident?
Carla
Baltimore, MD
Yes, your motor vehicle insurance provider will shoulder all the hospital costs incurred by the injured party since you have declared your stepdaughter as a Maryland licensed driver in your insurance policy.
But before making a call to your insurance provider, it is always best to ask yourself if it is really necessary to file for a claim. This is because your inquiry will be put down on your insurance record permanently, even if the accident was not your fault. It is always best to keep your insurance record clean and one way is to decide how badly you need to file a claim.
If you can shoulder the hospitalization cost without considerable financial difficulty, then it is best to avoid marring your record. But if you still wish to continue with filing the claim anyway, be sure to file it immediately since your insurer will act as your advocate in this matter and will take care of the claims process. Fill out a report and take note of every detail about the accident. Try to find witnesses to the accident scene to back up your stepdaughter’s story just in case a dispute from the other party comes up.
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