In a previous article, "A Practical Guide to Handling Accidents", Komaki mentioned that if someone is injured, you should not settle the case privately. Because of the legal, ethical, and risk implications, the most reasonable thing to do is to take the injured person to the hospital and let the insurance company handle it.
It costs money to go to the hospital, so do we need to pay up front? And what are the implications for us if we do or don't?
The impact of advancing medical expenses on us
>> responsibility is not clear, may not get back the money
Accident in which someone is injured, the first time is to rescue the injured. This time may not be fully determined responsibility, you rushed to the money advance, the final responsibility out of you have no responsibility, is the other party full responsibility.
Well, the money advances out, you are not responsible for the insurance company will not pay, you have to go to the injured to find. People are injured hospitalized everywhere with money, you can not come back are an unknown quantity. Even if you sue the injured, that also consumes time and energy.
>> treatment program is not within the scope of the claim
The injured sent to the hospital, rescue life is the first, the injured life-threatening times, the hospital will also take a variety of high-tech equipment and drugs. That insurance company side is not all the items and drugs are claims.
You can't get half of your expenses reimbursed by the insurance company after you've paid all the money on your side. But standing on the moral high ground, it's kind of self-protective to call ahead and check with the insurance company to make sure it's covered when we make an advance.
>> can not get reimbursement vouchers
The injured hospitalized surgical hospitals are archived, that we advanced the money, only the payment of small bills. Wait until the injured person is discharged, the hospital will print the discharge summary as well as the cost of the list of invoices, these are taken by the injured or injured family members. Give or not give you is also unknown, then we do not have these bills vouchers are not able to find the insurance company to claim.
>>The money advanced exceeds the amount of insurance
There is another situation, that is, the amount of insurance is less than the amount of insurance, not enough to pay. The hospital and the injured family members side are urged to pay, today 50,000, tomorrow 100,000, the day after tomorrow 150,000, and finally paid 550,000 yuan. Get the ticket to find the insurance company to claim, the result of the three insurance bought 500,000, well, their own extra 50,000. This is also something to consider.
>> conscience condemned
This is the most direct feeling, the injured in that rescue, life and death in urgent need of money, we do not care, in fact, the heart is very difficult. The first time I saw this, I was in the middle of a conversation with a man who had a mother and a father, and then I saw him in the middle of a conversation with a man who had a father and a mother.
>> the families of the injured will not let go
The families of the injured are busy with the money to save people, your side of the dime, or people will beat you. The most important thing to remember is that you can't be a good person and you can't be a good person. The company's business is not just about the impact on your life, but also on your career.
>> delayed treatment, the loss of more
If the injured need to operate in urgent need of money, you hesitate to advance the cost of this side, it is possible that the operation will not be able to do. If this situation leads to more serious injuries or even death, it will be very troublesome.
>> the injured family members do not cooperate with the claims process
Hospitalization, surgery, medication and other costs down, you have not advanced payment, the injured as well as the family must hate you. Afterwards, when you go through the claims process, people find all kinds of excuses to make things difficult for you.
Outside the scope of the claim and then find excuses to ask for money, you do not give money, not only your car was detained can not close the case, most of your time and energy may be consumed. The seriousness of the case even to the court, this before and after the impact of bringing us can not be ignored.
Article 75 of the Chinese People's Republic's Road Traffic Safety Law stipulates that medical institutions may not delay treatment because of delayed payment of resuscitation fees.
But in practice, advancing or not advancing is not a question of right or wrong judgment, but should be properly handled in the most reasonable way according to your situation. Although the law does not require us to make advances, we need to find a balance between ethics and risk.
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This article comes from the authors of the automobile home car, does not represent the views of the automobile home position.