What happens if I get into a bad accident and have D-Insurance? Unfortunately, D-Insurance caps the medical care for you – and any family member in your vehicle – at $275,000 ($250,000 for the immediate care you need to be stabilized in a hospital setting, and $25,000 for rehabilitative care once you leave a hospital). Instead of the current system, where you are guaranteed the care you need for life, with D-Insurance you would have to sue the other driver to try to get your services beyond $275,000 covered.
Is everyone covered under my D-Insurance policy? Everyone in your family who is injured in a single accident must share that $275,000 benefit. If you and your four family members are injured in an accident, that $250,000 in hospital care and $25,000 in follow-up care is all that’s covered for the entire family.