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Insurers ask: Who pays when self-driving vehicles crash?


Self-driving technology could make cars safer and reduce manufacturers’ liability, which are motivating factors for research, although it’s unclear exactly how much safer. Insurers have billions of miles of data on human drivers but far less for autonomous fleets, experts say. Car vector created by rawpixel.com - www.freepik.com
The advent of self-driving cars is raising questions in the insurance sector about who should pay when the vehicles crash and how insurers will set equitable rates.
When cars can operate themselves, the central question will be whether accidents are the manufacturer’s responsibility and therefore covered by product liability insurance, or whether the fault would lie with the driver and be covered by personal auto insurance. ....

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After accident, patient crashes into $700,000 bill for spine surgery


After accident, patient crashes into $700,000 bill for spine surgery
Mark Gottlieb s life changed in an instant when another driver crashed into his car, damaging four vertebrae in his upper spine and smashing six teeth.
In the months following that January 2019 crash, Gottlieb got the teeth crowned and, for debilitating neck pain, tried injections, chiropractic care and physical therapy. The treatments were all covered by his car insurance.
New Jersey law, as in 12 other states, requires drivers to buy personal injury protection, or PIP, coverage to pay medical expenses. Gottlieb had the maximum: $250,000.
Unfortunately, Gottlieb s pain persisted. Nothing was working. The only other thing was surgery, he said. ....

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Surprise: Your Car Insurance Plan May Not Cover High Medical Bills After A Crash : Shots


Erica Seryhm Lee for KHN
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Erica Seryhm Lee for KHN
A car accident in 2019 smashed six of Mark Gottlieb s teeth and severely damaged four vertebrae. The spinal surgery he needed as a result led to medical bills that exhausted the personal injury coverage in his auto insurance.
Erica Seryhm Lee for KHN
Mark Gottlieb s life changed in an instant when another driver crashed into his car at an intersection in Hackensack, N.J., damaging four vertebrae in his upper spine and smashing six teeth.
In the months following that January 2019 crash, Gottlieb got the teeth crowned and, for debilitating neck pain, tried injections, chiropractic care and physical therapy. The treatments were all covered by his car insurance. ....

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Car insurance nightmare: After wreck, hospitalized patient faces $700,000 bill for spinal surgery because of car, auto insurer rules


Erica Seryhm Lee / KHN
Mark Gottlieb’s life changed in an instant when another driver crashed into his car, damaging four vertebrae in his upper spine and smashing six teeth.
In the months following that January 2019 crash, Gottlieb, 59, a marketing consultant in Little Ferry, New Jersey, got the teeth crowned and, for debilitating neck pain, tried injections, chiropractic care and physical therapy. The treatments were all covered by his Geico car insurance.
As in 12 other states, New Jersey law requires drivers to buy personal injury protection, or PIP, coverage to pay medical expenses. Gottlieb had the maximum: $250,000.
Unfortunately, Gottlieb’s pain persisted. ....

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