If you are in a car accident and injured, you have a right to get medical treatment. Are you asking whether there is an exclusion in your medical insurance for injuries from automobile accidents?
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My guess is she simply misunderstood. This is not an auto insurance claim. File with your regular health insurance.
Who cares which insurance will pay??? It's not your problem. Give the doctor your auto insurance info and your health insurance info; and let the insurers argue it out behind the scenes. Your auto policy may very well be called upon to be primary because it is an injury arising out of the operation of an automobile. There is a Florida PIP case where a dog alone in a truck shot a pedestrian by knocking into the rifle or shotgun in the truck's gun rack. PIP was primary in that case.
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This hand injury is not an injury resulting from the negligence operation of a motor vehicle by the driver as is the normal occurrence. It is merely a medical claim. There was no car accident. There was no crash. There was no collision. Call the doctors office back.
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Your son should be covered for this injury under your car's required PIP insurance. Be sure to notify your carrier immediately and get your son medical treatment immediately.
You will find it helpful to review and read your car insurance policy. It will explain in detail the extent and type of coverage under PIP.
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Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.
This ans. does not create an attorney/client relationship.
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