chem1st Posted June 20, 2011 Share Posted June 20, 2011 Watching police interceptors, and some female PC spouted some spiel about insurance being required to provide care for the rest of the life, of any potential victim. Does insurance pay the full medical costs resulting from RTC's to the NHS? Would a RTC victim be refused care? What the hell was she on about? And if I pay tax and NI for the NHS why does the state legally force me to purchase insurance from the banks, without placing any control upon the price they (the PRIVATE banks) can charge. Car insurance is criminal! Link to comment Share on other sites More sharing options...
Rupert_Baehr Posted June 20, 2011 Share Posted June 20, 2011 Watching police interceptors, and some female PC spouted some spiel about insurance being required to provide care for the rest of the life, of any potential victim. Unenforceable. Insurance companies are 'Limited Liability' companies. and: Assuming an adult is injured in an RTA, the Insurance company pays the medical charges and 10 years later, the person is admitted to hospital suffering from something which arose from the original accident. It's too late to sue the driver or the insurance company - The accident occurred outside the limitation period. Does insurance pay the full medical costs resulting from RTC's to the NHS? They pay the bills they are required to pay. (Whatever the NHS can claim.) Would a RTC victim be refused care? No. NEver. And if I pay tax and NI for the NHS why does the state legally force me to purchase insurance from the banks, without placing any control upon the price they (the PRIVATE banks) can charge. 1. You don't have to buy insurance from a bank. (Banks don't usually sell insurance anyway - you would probably buy it from an insurance company.) 2. There is an alternative. Self-Insurance. You have to deposit a very large sum with the BoE. (An insurance policy is probably cheaper.) Car insurance is criminal! Insurance isn't criminal - but driving without insurance is criminal. You are not obliged to drive. Driving is a privilege, not a right. It's a privilege you have to pay for, too. Link to comment Share on other sites More sharing options...
truman Posted June 21, 2011 Share Posted June 21, 2011 Watching police interceptors, and some female PC spouted some spiel about insurance being required to provide care for the rest of the life, of any potential victim. Does insurance pay the full medical costs resulting from RTC's to the NHS? Would a RTC victim be refused care? What the hell was she on about? And if I pay tax and NI for the NHS why does the state legally force me to purchase insurance from the banks, without placing any control upon the price they (the PRIVATE banks) can charge. Car insurance is criminal! She may have been talking about the sort of cash insurance companies pay out for injuries causing life long disability..ie the money you need for converting/buying a house to be able to live in..long term specialist care etc etc..? Link to comment Share on other sites More sharing options...
truman Posted June 21, 2011 Share Posted June 21, 2011 . Car insurance is criminal! Not really..if you were uninsured and hit me,causing me to be unable to work for the rest of my life,would you be able to pay the damages that would ensue from this? Link to comment Share on other sites More sharing options...
vwkittie Posted June 21, 2011 Share Posted June 21, 2011 If someone got run over and had terrible injuries, such as paralysed, they would claim compo which the driver's insurance needs to cover. This wouldn't just be paying for hospital treatment that would be done under the NHS, it would be for things like, having to move house, adapting the property, providing money for the person who probably can't work now to live on etc. What a stupid OP Link to comment Share on other sites More sharing options...
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