tertiary
pertaining to medical insurance; primary secondary TERTIARY IS THE ANSWER
No, That's what Medical Insurance is for. Homeowners insurance is "Property Insurance", not personal injury or medical insurance. Home insurance usually come with a small amount of medical coverage, (500 to 1k dollars) for minor household injuries. Contact your insurance carrier to determine if you have this coverage. Most home insurance policies also carry liability coverage in the event you are held liable for injury to a third party. The named insured can not be liable to themselves.
Medical insurance should cover any injuries substained no matter how they were caused. Health insurance is only responsible (in most cases) for what your car insurance and the third party involved's insurance does not pay. Legally, car insurance is primary over health insurance.
liability
Third party insurance only covers the property of the other person(s) involved in an accident, not your car. Full coverage insurance (or comprehensive insurance) also covers your car if you damage it.
If you have an auto accident and you do not have auto insurance with medical payments coverage for your injuries and medical costs, you may need to research the coverages available through your medical insurance policy. If you are not at fault for the accident that caused you injury, and the third party insurance provider has taken responsibility for the accident, the at fault party's liability insurance should pay for medical injuries up to the limits on their policy. Because you do not have insurance, receiving a claim payout might require more work because you do not have an adjuster working for you. If you were at fault for the accident and you do not have auto insurance, you will need to speak with a representative from your medical insurance company to discuss the coverage provided under that policy. You may have a co-pay or a percentage you are responsible for depending on if you have an HMO or PPO.
Dubai Islamic insurance through Emirates Islamic will offer coverage against loss, damage & third party liability, for loss of personal effects, emergency accidental medical expenses, natural calamity damage and also third party property damage cover up to AED 1,000,000/.
It is called "Third Party Insurance Cover" and in most countries it is a legal REQUIREMENT to have this cover on ALL cars being driven on public roiads. It is normally sold to you as "Third Party, Fire and Theft" and covers for those 3 eventualities. The insurance that covers injury to YOU and YOUR car if you are at fault is called "Comprehensive Cover" - (this includes "Third Party, Fire and Theft" cover too).
when an insurance company(x) does not have particular coverage(ex:Earthquake coverage) then they would cover those coverages with the help of another insurance company(Y) by paying a certain percentage of premium to that company(third party carrier) and provides that coverage to their customers. Here Y becomes a third party carrier
The minimum coverage one is required to have in Spain is third party liability coverage. This coverage will cover the damage and injuries to the third party but not the insured's damages or medical injuries. Also, one must have the required insurance documents available to present to a Spanish police officer along with a drivers license, car registration details and a certificate of road worthiness if pulled over on the side of the road in Spain.
The coverage that works best for you depends on the level of coverage you want, and how much you are willing to pay. A smart way of determining the best coverage for travel in the UK is to use a third-party insurance broker.
One needs a 3rd party insurance coverage to cover for damage for vehicle or property. This kind of insurance covers injury of others, including passengers in the car.