Final answer:
The insured, P, would file a claim with their insurance company, but if the injury was sustained during an illegal act such as car jacking, the claim may be denied. If not denied, P would be responsible for any deductibles, copayments, or coinsurance as outlined in their policy. Involvement in illegal activities may lead to a claim being not honored due to specific policy exclusions.
Step-by-step explanation:
How Will the Insured Handle the Claim for Medical Expenses Incurred?
If an insured policyholder, P, is hospitalized due to an injury sustained from participating in a car jacking, the handling of their insurance claim can be complex. Usually, an insurance policy pays out when medical expenses are incurred due to accidents or unforeseen incidents. However, if the injury is a result of the policyholder's involvement in illegal activities, such as a car jacking, the insurance company may deny the claim based on the circumstances under which the injury occurred. This concept is related to the idea of the Denial of Injury where an individual might not see actions as a big deal if nobody else 'got hurt' and assumes insurance will cover it.
To handle the claim, P, as the policyholder, will have to file the claim with their insurance company providing all necessary medical documentation and details of the incident. The insurance company will then assess the claim to determine if the policy covers the event. If approved, the policyholder would still be subject to any deductibles, copayments, or coinsurance as outlined in their insurance policy. For instance, P may need to pay a specific deductible amount before the insurance coverage starts paying, or they may be responsible for a copayment for each doctor visit or coinsurance where they cover a certain percentage of the costs.
In the case of illegal activity involvement, it's important to note that many insurance policies have clauses that exclude coverage for injuries sustained while committing illegal acts, so the claim may not be honored. Ultimately, if the insurance company determines that the policy does not cover the incident due to its nature, the claim will be denied, leaving P to handle the medical expenses out of pocket.