The insurance company in a traffic accident is available to advance medical expenses, but the insurance company in the public security organs after receiving the notice of the traffic management department, only after verification will be paid to the medical institution in time to pay or advance the cost of resuscitation.
Legal basis:
Article 31 of the Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability states: "The insurance company may compensate the insured for the insurance premiums, or directly compensate the victim for the insurance premiums. However, if the insurance company is required to pay or advance the rescue expenses for rescuing the injured person, the insurance company shall, after receiving the notice from the traffic management department of the public security organ, pay or advance the rescue expenses to the medical institution in time after verification."
The insurance company, from the date of receiving the written notice of advance payment issued by the traffic police department, medical records/diagnostic certificates of the injured person, bills and details of the resuscitation expenses, shall promptly issue a "Guarantee Letter of Commitment to Advance Resuscitation Expenses" to the hospital that rescues the victim, or transfer the advance payment to the special account opened by the hospital that rescues the victim in the bank, and shall not make any cash advance payment.
Circumstances in which the insurance company advances medical expenses in a car accident are:
(1) in accordance with the provisions of Article 22 of the Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability;
(2) upon receipt of a notification letter from the public security organs' traffic management department requesting the advancement of payment;
(3) the victim has to be resuscitated and the cost of the rescue has already been incurred, and the hospital of resuscitation has provided Resuscitation cost documents and detailed items;
(iv) not belong to the road traffic accidents should be advanced by the social assistance fund of the resuscitation costs.
Suggestions on the issue of accident medical expenses
1, for the driver at fault, should be timely advances to the injured rescue costs and necessary surgery and other costs, so at least to ensure that the injured person's injuries are not due to the lack of money for medical treatment and expansion, delayed the best time for treatment, not only lead to the injured person to withstand the more serious injuries, the later claims will be invisible to increase the tortfeasor and the insurance company's responsibility to pay compensation.
2, for the victim, the at-fault driver can advance all the medical expenses in time is the best situation, but in the case of the at-fault driver does not cooperate with the advance payment, they should be in time to advance their own treatment costs, if the treatment costs of the nervousness of the traffic police should be in time to contact the department, to see if the insurance company, the party responsible for the accident, or the medical fund department to coordinate to get help, in time to protect the interests of the injured person's physical health.
3, such as advancing the medical expenses, the advancing party should save the advance medical bills or the receipt issued by the injured party, in order to prepare for the later litigation as evidence to claim the corresponding rights.
Baidu Encyclopedia - Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability