DNR

[FJRBandit]

From what I've read, it has to be more explicit than a simple "DNR", since DNR could stand for anything.

Every state I know of requires that you purchase insurance in order to operate a motor vehicle on the road. Part of the required policy is liability coverage. Since liability coverage's purpose is to pay medical expenses, both theirs and yours based on who is at fault, I don't see that you can waive your right not to pay medical expenses (through insurance) with any kind of DNR. After all, liability insurance is a requirement. As for out-of-pocket expenses beyond the liabiilty limit, you can't say you won't pay that either. After all, anybody can sue anyone for any amount in the 'ol USA. If the person at fault didn't have insurance then I would think that your insurance will pay your medical expenses and then go after the people at fault through lawsuits in order to get their money back, but in that case you shouldn't have to pay anything.

So with what little I know about this I don't think you can legally waive your right to not pay. The examples listed above are also valid also because first responders will be doing what they can to save the victims. DNR's are more appropriate, and still sometimes not heeded, in situations like hospitals when treatment time isn't critical.

-- Frank --

To Frank, and anyone else who cares---

Essentially everything you said was based in your minimal knowledge of auto insurance coverage. I do not say this to dog you, only to say that basically, you know just enough to get you, and others who rely on what you said, in trouble. Let me set the record straight for you. Again, I'm not trying to be a ****, but this is important stuff that most people don't understand, and too often learn too late.

I am in the auto insurance claims litigation business and will try to make this as basic and simple as I can. All you need to do is take out your "declarations page", the info sent to you at the time your policy was taken out, or renewed, and follow along. It is the paper that is entitled "Declarations Page" (or Declarations Sheet) and has all the numbers of your coverages on it.

Here we go----

Liability Coverage: is coverage that applies when you are at fault for the accident. These are the coverages that are required by law in some minimum amount that varies by state.

Bodily Injury Coverage - Pays for the personal injuries to the person(s) in the other vehicle(s) for which you caused by your negligence. Covers THEIR medical bills, pain and suffering and other types of personal damages. Many times the dispute over just how badly someone was injured or damages is what leads to the lawsuit. It DOES NOT pay for ANY of your damages, personal property or personal injuries or anything that applies to YOU.

Property Damage - the same as above, except applies only to the property damage you cause to someone else's vehicle or property by your negligence. Also sometimes leads to a lawsuit, but is more of an ojective issue and not in dispute as often, provided that you have enough coverage to cover the damages YOU caused.

One important point to note, if you cause an accident and you are sued, notify your agent of the lawsuit IMMEDIATELY. Your coverage provides a lawyer to defend you at no cost to you, it is part of your coverage that you have paid for in the policy.

-----

Coverages that apply to YOUR damages -- these coverages are not required by law in most States and you may or may not have these coverages on your policy

Collision Coverage - pays for the damages to your vehicle, generally up to the Actual Cash Value of the vehicle, regardless of who is at fault

Medical Payments - called "Med Pay" "MP" "Personal Injry Protection" or "PIP" - pays, up to the amount of your coverage, for your out of pocket medical expenses, regardless of who is at fault.

Uninsured Motorist Coverages - Bodily Injury and/or Property Damage - this gets a little more complicated- This is when the other person is at fault, but does not have the required liability coverage, or does not have enough coverage to cover the full amount of your loss. Generally speaking, if you are injured and the other person does not have insurance, and you have UM/UIM coverage, I would recommend that you retain a lawyer to represent your interest.

Again, I'm not trying to be a ******* with this post. If anyone has any questions about this post, or general questions about your coverage, feel free to drop me a PM. I'll be gald to try and answer your questions and then likely direct you to your agent.

FJRBandit

 

[Anthony]

Thank you all!