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Med Duty
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 HARRIS STYLE MEDIUM DUTY TORCH HANDLE EQUIV. TO MOD 85  US $49.95
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Ingersoll-Rand IRT285B-6 Heavy Duty 1-Inch Pneumatic Impact Wrench with 6-Inch Extended Anvil List Price: $849.00 Sale Price: $411.54  |
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Ergonomic swept-back side handle provides convenience and maneuverability Professional touch, easy to use trigger Adjustable 3 position power regulator provides ultimate power control Robust 6 vane air motor delivers 1,450 ft./lbs. maximum torque Free speed: 5,000 RPMIf you want exceptional power, durability, and ease-of-use from an impact wrench, the Ingersoll-Rand 285b delivers. Not only will the IRT285B-6 easily handle whatever task you put it to, the impact will also help you maneuver more comfortably thanks to its professional touch trigger, swept-back side handle for superior balance, and "angle-down" exhaust. The 6" anvil helps with leverage and getting into hard to reach places. Average air consumption: 10 cfm; air inlet NPTF: 1/2"; minimum hose size: 1/2"; sound dBA: 107/120; weight: 27.3 lbs.; length: 20.1". |
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Ingersoll-Rand 116K Standard Duty Pnuematic Hammer with 5 Piece Chisel Set List Price: $95.00 Sale Price: $54.99 |
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This Ingersoll rand air hammer provides economical, fast cutting action, especially for medium exhaust work panel cutting and general repair work. Delivers up to 3500 blows per minute. Includes 5-pc. chisel set. Blows Per Minute (BPM): 3,500, CFM at Load: 15, Stroke Length (in.): 2 5/8, Shank Diameter (in.): 0.401, Air Inlet Size (in. NPT): 1/4, Min. Hose Size (in.): 3/8, Chisels Included: Yes, Case Included: No |
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Mechanix Wear CG40-75-009 CG Heavy Duty Glove, Black, Medium List Price: $41.99 Sale Price: $27.00 |
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This product is perfect for Personal Protective Equipment PPE and or Safety Equipment. Specialized clothing or equipment worn or used by employees for protection against health and safety hazards or to enable them to do the job more efficiently and effectively. Personal protective equipment is designed to protect many parts of the body for example eyes, head, face, hands, feet, and ears. My First Aid Company specializes in all first aid and safety needs. |
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Ingersoll Rand 313A Heavy Duty 7-Inch Angle Pnuematic Sander List Price: $339.00 Sale Price: $171.95 |
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This Ingersoll Rand angle air sander lets you work faster on light- and heavy-duty sanding jobs, including roughing body filler, removing rust and smoothing welds. Air Consumption (CFM): 8, CFM at Load: 23, Speed (RPM): 5,000, Pad Diameter (in.): 7, Spindle Size (in.): 5/8 x 11, Random Orbital: No, Side Handle: Yes, Vacuum Ready: No, Air Inlet Size (in. NPT): 1/4, Min. Hose Size (in.): 3/8, Case Included: No, Tool Weight (lbs.): 4.2 |
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Ingersoll Rand 307A Standard Duty Mini Air Die Grinder List Price: $68.00 Sale Price: $43.20 |
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This Ingersoll Rand air mini die grinder is lightweight, compact and versatile. Air Inlet Size (in. NPT): 1/4, Air Consumption (CFM): 3, CFM at Load: 14, Speed (RPM): 27,000, Min. Hose Size (in.): 3/8, Collet Size (in.): 1/4, Side Handle: No |
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3469 LIGHTWEIGHT ALL-PURPOSE DUTY GLOVE (MEDIUM) List Price: $19.95 Sale Price: $12.99 |
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5MM THICK OPEN-CELL FOAM LAMINATED w/POLYESTER SPANDEX POLYESTER SPANDEX HELPS MOVE MOISTURE AWAY FROM THE BODY DURABLE .7-.8MM THICK SYNTHETIC LEATHER PALM EXTRA PATCHES ON PALM & FINGER TIPS FOR ADDED PROTECTION ELASTIC CUFF w/HOOK & LOOP CLOSURE AVAILABLE IN SIZES: S TO 2XL |
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Chicago Pneumatic CP860 Heavy Duty Air Die Grinder List Price: $148.25 Sale Price: $102.30 |
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Rugged, energy-efficient 1/2 hp motor Adjustable power regulator for precise control Lock off throttle to prevent accidental start ups Square handle design for positive grip Excellent for cleaning tire moldings, porting and relieving engines, and general high-speed polishing and grindingBuilt-in regulator matches speed to job. Rear exhaust directs air away from work. Complete with 1/4" and 6mm collet. Free speed: 24,000 rpm; air consumption: 5.25 CFM; Air inlet thread: 1/4" NPTF; minimum hose size: 3/8 in.; sound dBA pressure: 93; length: 5.75; weight: 1.25 lb. |
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Ingersoll Rand 311A 6-Inch Heavy-Duty Air Dual-Action Quiet Sander List Price: $79.79 Sale Price: $50.80 |
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Ingersoll Rand 311A features the Heavy Duty Air Dual Action Quiet Sander with a 6" Pad. A built-in silencer muffles noise as you work with this economical dual action sander. It's a quality sander used for feather edging, metal preparation and finish work. And its dual action pad motion produces swirl-free finishes. Vibration-free, Dependable performance, Balanced ball bearing construction, Adjustable built-in regulator for positive speed control, Specifications: Free speed: 10,000 rpm, Rated power:25 hp, Pad diameter: 6" (150 mm), Spindle size: 5/16" - 24, Vacuum ready: No, Weight: 4.2 lbs. (1.91 kg), Average air consumption: 4 cfm, at load 17 cfm, Sound (pressure/power): 85.6/98.6 dBA, Air inlet: 3/8" Part of the industry's most complete line of air finishing tools, the Ingersoll Rand 311A Heavy-Duty Six-Inch Dual-Action Quiet Air Sander combines all the latest advances for excellent control and brilliant surfaces. This easy-to-handle tool's every detail is designed to make your work faster and easier, so you can get more done without sacrificing comfort or quality.Heavy-Duty Six-InchDual-Action Quiet Air SanderAt a Glance:Quiet dual-action sander for fine detail workBuilt-in silencer muffles noise as you work Dual-action pad motion produces swirl-free finishes Lever throttle takes pressure off your palm for all-day comfort 1-year limited warrantyBalanced ball-bearing construction ensures improved handling and control. View larger. The lever throttle takes pressure offyour palm, resulting in less fatigue. Dual-Action Sander Creates Swirl-Free FinishesWith the 311A, you get the power and precision you need to complete sophisticated work. Compact, portable, and designed for long life, this dual-action sander creates swirl-free finishes, making it ideal for feather edging, metal preparation, and finish work on body filler.Balanced, Quiet Operation for All-Day ComfortComplete with a 6-inch-diameter pad, the 311A is packed with features that help make work more pleasant and efficient. First, a lever throttle takes pressure off your palm, resulting in less hand and wrist fatigue.Additionally, a built-in silencer muffles noise as you work, while balanced ball-bearing construction ensures improved handling and control, as well as longer life. And at just four pounds, the 311A won't weigh you down, even during all-day jobs.Low Vibration and Optimum PrecisionTo keep noise at a minimum, this sander provides low vibration and quiet performance. For added convenience, there's an adjustable built-in regulator that delivers positive speed control--12,000 rpm maximum free speed, 17 cfm air consumption at free speed--for optimum precision.The 311A is backed by a one-year warranty.Ingersoll Rand Air Tools: Reliability and PowerWhether you're working in the shop, at the garage, or on a heavy-duty jobsite, you can depend on Ingersoll Rand air tools for quality and performance. Ingersoll Rand tools are powerful, durable, and easy to use, reducing downtown and improving productivity.For more than 100 years, the company's advanced engineering, manufacturing, and service models have set a standard of excellence. Trust Ingersoll Rand to help you complete your work faster and easier than ever before.What's in the BoxIngersoll Rand 311A Heavy-Duty Six-Inch Dual-Action Quiet Air Sander and manual.The 301 creates swirl-free finishes, making it ideal for feather edging, metal prep, and finish work on body filler. |
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Ingersoll-Rand 2130 1/2-Inch Heavy-Duty Air Impact Wrench List Price: $289.00 Sale Price: $129.99 |
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This Ingersoll Rand impact wrench has all the performance features you expect from the Ingersoll Rand family of impact tools. This lightweight ergonomic package houses a powerful twin-hammer mechanism. Drive (in.): 1/2, Speed - No Load (RPM): 9,500, Average Air Consumption (CFM): 4.4, CFM at Load: 22, Working Torque (ft.-lb.): 50 - 500, Max. Torque (ft.-lbs.): 550, Hammer Mechanism: Twin, Variable Speed: Yes, Inlet Size (in.): 1/4, Min. Hose Size (in.): 3/8, Noise Level (dB): 96.6, Tool Weight (lbs.): 4.2, Tool Length (in.): 7 1/4 The Ingersoll Rand 2130 1/2-Inch Heavy-Duty Air Impact Wrench offers the powerful performance and advanced features you need to get the job done right the first time. Its robust twin-hammer mechanism and composite housing provide superior ergonomics, and its durable design pays off in years of quality performance.1/2-Inch Heavy-Duty Air Impact WrenchAt a Glance:Provides 550 ft./lbs. max torque for heavy-duty professional jobsMulti-position power management for optimum control Fewer working parts minimize maintenance Lightweight reinforced aluminum hammer case for less bulk 1-year warrantyFeaturing multi-position power management and easy-glide forward/reverse switches. View larger.Get the most out of the 2130 Air Impact Wrench with Ingersoll Rand Impact Sockets (sold separately).Get Professional PerformanceLike all of Ingersoll Rand's air impact tools, the 2130 Impact Wrench is an ideal choice for the discerning professional. With fewer working parts, simplified maintenance, and less wasted energy, this heavy-duty tool makes quick work of all your professional mechanic jobs. Use it for tire rotation, removing and tightening lugs, brake work, and much more.550 Ft-Lbs Maximum TorqueThe 2130 provides an impressive 550 ft./lbs. of maximum torque (50 - 500 ft./lbs. working torque) to tackle the tough jobs. At the same time, multi-position power management and an easy-glide forward/reverse switch give you reliable control for improved precision. And for smooth operation, the wrench features a full-stroke tease throttle.Compact, Lightweight DesignWeighing just 4.2 pounds and measuring 7.25 inches in length, the 2130 can fit into tight spaces and won't put excessive strain on your wrists and hands. Its lightweight, reinforced aluminum hammer case also helps cut down on the bulk.The 2130 is backed by a one-year warranty.Ingersoll Rand Air Tools: Reliability and PowerWhether you're working in the shop, at the garage, or on a heavy-duty jobsite, you can depend on Ingersoll Rand air tools for quality and performance. Ingersoll Rand tools are powerful, durable, and easy to use, reducing downtown and improving productivity.For more than 100 years, the company's advanced engineering, manufacturing, and service models have set a standard of excellence. Trust Ingersoll Rand to help you complete your work faster and easier than ever before.What's in the BoxIngersoll-Rand 2130 1/2-Inch Heavy-Duty Air Impact Wrench and manual.Protect your investment with the Ingersoll Rand Protective Tool Boot(sold separately). |
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Ingersoll Rand 301 Standard Duty Multi-Purpose Air Angle Die Grinder List Price: $78.00 Sale Price: $38.00 |
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This Ingersoll Rand air right angle die grinder provides an excellent solution in tight spaces. It is an ideal choice for grinding, edge-breaking, deburring, porting and polishing applications. Air Inlet Size (in. NPT): 1/4, Air Consumption (CFM): 3, CFM at Load: 14, Speed (RPM): 20,000, Min. Hose Size (in.): 3/8, Collet Size (in.): 1/4, Side Handle: No Part of an expanded line of economical, standard-duty grinders, the Ingersoll Rand 301 Standard-Duty Multipurpose Air Angle Die Grinder packs valuable features into a compact, lightweight package. Wherever space is tight, the 301's right-angle configuration provides quick and easy access. Use it for grinding, edge breaking, deburring, porting, and polishing applications.Standard-Duty MultipurposeAir Angle Die GrinderAt a Glance:Compact and lightweight design for easy handling in tight spacesPrecision-machined gearing delivers maximum power transfer Ball-bearing construction for durability 1/4" air inlet; 3-cfm air consumption 1-year limited warrantyThe 301's compact size lets you access hard-to-reach areas other grinders can't reach.View larger.The self-locking throttle features levers designed to prevent accidental starting.Powerful, Controlled Cutting for AutomotivesBecause today's vehicles utilize high-strength steels, advanced plastics, and new composite material, you need versatile tools for precise, controlled cutting. With its multipurpose compact design, the 301 offers power and reliability, especially in narrow spaces. Use it for everything from muffler and exhaust work to sunroof installations and body repair.Versatile Grinder Goes Where You GoDesigned to transition smoothly from job to job, the 301 provides plenty of air power for everything from polishing to grinding. It offers 3-cfm air consumption (14 at load) for efficiency; 20,000-rpm for fast results; and 1/4-inch air-inlet size. A 3/8-inch hose ensures portability, while a 1/4-inch collet chuck delivers versatility.Maximum Power Transfer and DurabilityThe 301 provides the power and durability professional jobs demand. The self-locking throttle features levers designed to prevent accidental starting and give excellent speed control. In addition, ball-bearing construction ensures longer life, and precision-machined gearing provides maximum power transfer.Compact, Lightweight DesignWeighing less than one pound and measuring just five inches in length, the 301 won't drag you down. Its compact size makes it easy to maneuver, use, and store, and allows you to work comfortably in hard-to-access spots that other grinders simply can't reach.The 301 is backed by a one-year warranty.Ingersoll Rand Air Tools: Reliability and PowerWhether you're working in the shop, at the garage, or on a heavy-duty jobsite, you can depend on Ingersoll Rand air tools for quality and performance. Ingersoll Rand tools are powerful, durable, and easy to use, reducing downtown and improving productivity.For more than 100 years, the company's advanced engineering, manufacturing, and service models have set a standard of excellence. Trust Ingersoll Rand to help you complete your work faster and easier than ever before.What's in the BoxIngersoll Rand 301 Standard-Duty Multipurpose Air Angle Die Grinder and manual.The 301 provides the power and durability professional jobs demand. |
Here are some more information for Med Duty:
With all kinds of uncertainties that now prevail in our economic and business world, there is an increased anxiety, worries and fear in the minds of most of our business men and women; even civil servants are today very apprehensive since they do not know what the future has in store for them.
The ugliness of the things we see these days in our social, political and religious world around us makes some people to constantly fill their minds with all manners of negative thoughts and emotions that make them extremely angry and unhappy.
There are many who have allowed the negative emotions and negative thinking to control them; consequently they are now the victims of:
- Dark moods and depression.
- Lack of concentration,
- Duodenal and peptic ulcers.
- Chronic fatigue and generalized body weakness.
- Cardiovascular diseases like hypertension, heart attacks, and stroke - just to mention but a few. From time immemorial, it is known that negative thinking and negative outlook in life can ruin and vitiate good health because our minds too are known to obey the basic rule of "Garbage in, garbage out". To this effect, more than three thousand years ago, King Solomon in Proverbs 23:7 was believed to have written:
"For as he thinketh in his heart, so is he". In a similar manner, positive emotions, uplifting and good thoughts give radiant and robust health physically and psychically.
He who does not think of how to harm or hurt or cheat or take undue advantage or bring down his neighbors will always be filled with love, and such a person will also radiate deep inner peace, will be full of joy and cheerfulness.
The radiant health of the soul and that of the physical body, in mathematical terms, is directly proportional to the degree of our positive thinking and our ability to constantly do that which is noble and good.
Today, science has shown that the most powerful key to the prevention of the degenerative physically and mental diseases lies in the ability to think positively, which consequently brings inner peace, joy, cheerfulness and happiness.
For more than three thousand years ago, the basis for positive thinking was laid in the book of Proverbs 16:3, it is stated: "Commit thy work unto the Lord, and thy thoughts shall be established".
To this effect Apostle Paul wrote in Philippians 4: 8:
"Finally, brethren, whatsoever things are true, whatsoever things are honest, whatsoever things are just, whatsoever things are pure, whatsoever things are of good report; if there be any virtue, and if there be any praise, "THINK ON THESE THINGS".
Our main concern in this article is to highlight the healing effects of humor and laughter.
We are told that a hearty laughter or cheerful smile is a strong antidote to Darkness. He that smiles or laughs cannot simultaneously think of something negative or evil. Laughter is known to help the body discharge some of the retained or hidden negative emotions that often result in chronic stress, which is the main cause of the modern day degenerative diseases. Is it not written in Proverbs 17:22 that: "A merry heart doesth good like medicine"? Galatians 5:22 says: "A merry heart makes a cheerful countenance". And an old adage says also that: "Laughter is the best medicine".
Already in most advanced countries of the world, many hospital, social and welfare institutions now incorporate humor and laughter therapies into their programmes using exchange of jokes, funny films, comedy, clown therapy (especially in children words).
(1) Studies have shown that a hearty laughter torches us deeply and can change our negative outlook in life to a positive one, laughter or smiles that come from within is akin to an inner joy and happiness.
(2) A hearty laughter or deep heart felt smiles is now known to reduce the hormone-like cortisol which becomes higher in the blood when we are under stressful situation. Laughter is therefore a known stress buster.
(3) Laughter and heartfelt smiles help one to discharge retained inner tension, and relax muscles tension, etc.
(4) Cheerful smiles and hearty laughter stimulate the hypothalamus (brain) to release more endorphins and serotonin into the bloodstream. These are chemical or hormones that relieve pains and make us feel good.
Humor and laughter therapy has been found to help patients forget their physical, mental and psychic pains.
(5) Laughter stimulates the body to release hormones and immune-boosting substances such as interferon, which increase the resistance to all kinds of infection.
(6) Laughing helps in promoting blood circulation, healthy blood vessels and healing damages caused by tension and chronic stress. In this way laugh and humor therapies help reduce the risk of: hypertension, hearth attack, angina, strokes, etc. Laughter protects the heart.
(7) Laughter lowers blood sugar levels in diabetic patient.
(8) Deep inner smiles and laughter that touch the soul are the strongest antidotes to mental illness. In the Bulletin of the World Health Organization (WHO), 2000,78, the
Director-general of WHO, Dr. Gro Harlem Brundtland noted that: "Five of the 10 leading causes of disability worldwide...are mental conditions:
- Alcohol abuse.
- Depression.
- Obsessive-Compulsion disorders.
- Bipolar disorders.
- Schizophrenia.
And all these conditions are on the increase worldwide. There may be palliative therapy, but preventing them is better than curing them. He that trust in the Lord Almighty, and think good and noble thoughts, will truly love his neighbors. Consequently such a person will also radiate deep inner cheerfulness, deep inner laughter and heartfelt joy. All these have been medically found to be the strongest antidotes to all kinds of mental illnesses. "For a merry heart doesth good like a medicine" -Proverbs 17:22.
Names: Godwin Ihesie
date of birth: November 15, 1958
place of birth: Umuahia,.
nationality: Nigerian
e-mail address: chilereobi@yahoo.Com
tel. No:+234-0803-306-5263
aimlt (nigeria) 1984
member-med. Lab. Tech. Of malta 1993
member of the institute medical laboratory technology of nigeria.
member, naturopathic physicians of nigeria, lagos, nigeria
Auto Insurance Coverage
Automobile insurance laws in Florida require the owner of a vehicle to have a certain amount of personal injury protection. Fla. Stat. § 627.736. Personal injury protection provides compensation to you in the event you are in an accident. The minimum amount of personal injury coverage required by law is $10,000.00 Fla. Stat. § 627.736, but you can purchase higher amounts of insurance that covers medical, surgical, funeral, and disability benefits regardless of fault. This is known as no-fault insurance. Fla. Stat. § 627.731.
Throughout most of the United States, auto insurance functions under a traditional fault-based system. Insurance companies make payments based on each person’s degree of fault in a particular motor vehicle accident. However, long, drawn out court battles are often required to determine who is at fault in many cases. In an attempt to cut down on this problem, thirteen states (Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah, and Colorado) have adopted no-fault insurance laws- also called personal injury protection or PIP.
Under Florida’s no-fault insurance statute, if you are hurt in an accident, your insurance automatically will pay 80% of your reasonable medical expenses related to injuries sustained in the accident and 60% of your lost earnings subject to the limits of the no-fault coverage and any applicable deductible (or up to the specified policy limit) regardless of who caused the accident.
If you are a family member, no-fault insurance also covers relatives in your household who do not have their own no-fault policy. Personal Injury Protection benefits can be paid by your policy even if family members are passengers in another person’s car or pedestrians when they are hurt. In the event that you cause damage to someone else’s property, no-fault insurance will pay up to a predetermined limit for damages your vehicle does to other people’s tangible property such as buildings, trees, road signs, etc, and will pay to repair or replace other vehicles, but only if the vehicles were properly parked.
In the instance you are killed in a car accident, no-fault pays survivor’s benefits, which is income which you would have provided to your family. These benefits are usually limited to a maximum amount per month for a set amount of time. Your policy will not pay benefits if you are the owner or registrant of an uninsured motor vehicle that was involved in an accident. Therefore, it is important that you have insurance coverage on all vehicles that you own.
Many people commonly believe that if they meet the requirements under Florida law then they have full coverage. As the descriptions of the different categories of automobile insurance below indicate, the Florida requirements constitute a very bare minimum and rarely do they adequately protect persons involved in automobile accidents. The statutory minimum alone does not constitute full coverage. Uninsured motorist coverage, essential coverage, including bodily injury coverage, and collision are not required by Florida law.
Limits to No-Fault Insurance
Drivers should be aware that no-fault insurance has several limitations. These are a few things which no-fault insurance generally does not pay for: repairs to your vehicle after an accident no matter whose fault it was; repairs to another person’s vehicle after an accident, no matter whose fault it was, unless the vehicle was properly parked; and costs for replacement of your vehicle if it was stolen.
In order to receive a guaranteed payment, you must give up some of your rights to sue the other driver involved in the accident. You may be allowed to sue for non-economic damages if the amount of these damages exceeds a specified tort threshold. Florida, Michigan, New Jersey, New York and Pennsylvania have verbal thresholds. The other eight states use a monetary threshold: Colorado, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah. New Jersey, Pennsylvania and Kentucky have a “choice” no-fault law. In these three states, motorists may reject the lawsuit threshold and retain the right to sue for any auto-related injury.
If you wish to file a lawsuit against the at fault driver, Florida’s no-fault insurance law requires that you must show that you sustained a “serious” injury. Fla. Stat. § 627.737. Pain and suffering damages are generally only recoverable for serious injuries that involve sustained permanent injury, significant scarring or disfigurement, or death.
There are two categories of auto insurance – first-party coverage and third-party coverage. First-party coverage covers you and your property (such as medical expenses, damage to your vehicle and the insurance company’s duty to defend you in the event that you are sued as the result of your operation of a vehicle, etc.). Third-party coverage is for your responsibility to pay for injury caused to other people (and vice versa), whether in your vehicle, or another vehicle involved in the accident.
The coverage (and its exclusions) is explained in your insurance policy. In exchange for the payment of a premium, the insurance company promises to provide compensation in the event of certain occurrences. While adequately explaining all aspects of insurance coverage and laws would be far too time consuming, the following is a brief synopsis of the most typical coverage and issues.
Personal Injury Protection
In addition to liability insurance, Florida requires all drivers to have Personal Injury Protection (PIP) coverage. Fla. Stat. § 627.736. Personal injury coverage is not health insurance, and it is not designed to pay for your medical bills. What it is designed to do is offer a onetime settlement or payment for all of your damages. In Florida, your policy must cover eighty percent of all reasonable expenses for medically necessary medical, surgical, X-ray, dental, and rehabilitative services, including prosthetic devices, and medically necessary ambulance, hospital, and nursing services. Fla. Stat. § 627.736.
The personal injury insurance minimum required by law in Florida is ten thousand dollars for bodily injury or death of one person in any one accident. Fla. Stat. § 627.736. Lawsuits in Florida must be filed against the negligent driver and may not also name the insurance carrier as a defendant. In fact, the jury is not allowed to know that there is insurance coverage available on the defendant. If the jury renders a verdict in excess of the defendant’s liability policy limit, the defendant is then personally liable out of his or her own assets for the additional amount.
Bodily Injury Coverage
If your injury is caused by the negligence of a defendant, your attorney can file a claim under the bodily injury liability coverage of the negligent defendant’s insurance policy. Bodily injury liability coverage covers a driver’s legal liability for the injury or death that they, or any permitted user, may cause with their vehicle. When you are injured in a car accident and the person at fault is either the driver of the other vehicle or, if you are a passenger, the driver of the car in which you are riding, you may file a bodily injury claim with that driver’s insurance company. In most bodily injury liability policies, bodily injury includes sickness, disease, injury, or death arising from sickness, disease, or injury.
Medical Payments (Med-Pay) Coverage
When purchasing automobile insurance, you may elect to receive an optional type of coverage called medical payments (med-pay) coverage. Fla. Stat. § 627.736. Med-pay coverage pays accident-related medical expenses not covered by Personal Injury Protection. This coverage is available to the insured driver (the individual who holds the policy which includes med-pay coverage) and any passengers in the insured’s vehicle for injuries sustained, regardless of the fault of the driver. It is important to note that the insurance policy of the negligent party does not pay med-pay or PIP benefits to an injured plaintiff. These benefits are limited to the driver or passengers in the insured vehicle, regardless of fault. The plaintiff looks to his own insurance policy or the policy on the vehicle in which he was a passenger for med-pay or PIP benefits.
Collision Coverage
Collision coverage is a type of voluntary coverage you can purchase, which will cover the repair or replacement of your own vehicle after an accident, regardless of who is at fault. An innocent victim of an accident may present a claim for the property damage under his or her own collision coverage or under the negligent defendant’s property damage liability insurance coverage.
Your own collision coverage normally includes a deductible, while property damage liability insurance coverage does not. In an automobile accident case, after a claim has been paid under collision coverage, the insurance carrier who paid the claim may proceed against the property damage liability insurance carrier for the negligent defendant to recover the amount paid out. This process is called subrogation, and does not affect your recovery.
Uninsured and Underinsured Motorist Benefits
Uninsured/underinsured motorist benefits are another type of voluntary coverage you can purchase, and it is recommended that you add this type of coverage to your policy. This coverage protects you against a negligent defendant who either does not have liability insurance coverage or only has minimum coverage that is inadequate to fully compensate you for your injuries. If you are involved in an accident with an uninsured but negligent individual, your attorney would make a claim for you under your own uninsured motorist coverage. Your own insurance carrier would then have to pay any judgment which may be rendered, up to the limits of the policy which you purchased.
If the person who caused the accident has liability insurance, but the policy limit of his or her liability insurance is less than the uninsured motorist coverage of your policy, your attorney can make an additional claim under your own policy for what is called underinsured motorist benefits, in the event that your damages exceed the limits of the other party’s liability coverage. Uninsured/underinsured motorist claims can be a problematic area of law to practice, and the experience of an attorney familiar with these issues is important in order to obtain the maximum amount of recovery for you.
About the Author
I have a liability claim against at fault parties for damages. What duty due I owe to my health insurance co?
( Premises liability)There are about $ 20,000 in medical bills. Will the health insurance co file a lien against the at fault party's insurance company or will they have a right to my settlement. Also, the at fault party has $ 5000 in med pay coverage. Would my health insurance be able to file a claim against that? My health insurance co - bcbs has been VERY uncoopertive in explaining this to me. Thank you.
They will have a right to your settlement, under the "transfer of rights of recovery" section.
Yes, they can attach the medical payments amount, OR any liability payment amount, up to how much they paid out.
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