AND medical payments or personal injury protection (dependent on which state you're in) should have covered for the injuries. If you don't have insurance coverage, you all got what you asked for and are lucky the accident wasn't worse.
Also, if my child saved all that money to get a better vehicle than I could get her, I would at least (at LEAST) offer to pay or help pay for good car insurance.
I pay for my kids' car insurance because I know that if I didn't they would get the cheapest bare-bones coverage they could find. I eat the cost to make sure they have adequate coverage.
A lot of people do not own cars simply due to the cost to PROPERLY insure & maintain them. Seems evident this car was under insured and that is a conversation that should have taken place before the car was bought.
Lots of learning opportunities here…
Sounds like neither parents nor kids have jobs which provide medical coverage? Or they have ridiculously high deductibles? Setting broken bones wouldn't devastate a normal family's finances unless they were paying out-of-pocket for everything.
My point was that even if (for whatever reason) their auto insurance wasn't covering injuries, their medical insurance should have been adequate enough to.
Medical biller here. Typically the medical benefit of the auto insurance is used up by physician visits and consults since those claims usually bill out faster. By the time the ED and facility claims go out, it's not uncommon for the medical benefit to be exhausted and then we bill out to the medical insurance. Most people have a deductible in the range of $2-$4k. Even if you meet that, most people have coinsurance with an out of pocket max you only see if you have massive hospital or treatment bills. I've seen out of pocket maxes go as high as $30k-$40k. And they reset annually. Medicare doesn't even have an out of pocket max.
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u/littlepinkhousespain 5d ago
AND medical payments or personal injury protection (dependent on which state you're in) should have covered for the injuries. If you don't have insurance coverage, you all got what you asked for and are lucky the accident wasn't worse.