As Liu Chang'an finished speaking, Teacher Xiao, who was standing nearby, frowned and said, "This matter is a bit troublesome!
If the driver being rescued survives, the claim might be a bit easier. If he dies, it will likely be more difficult. We'll probably have to rely on the insurance company, but you know how difficult they can be when it comes to paying out.
Well, I have a lawyer relative. How about this, if you don't mind, I can contact him later and see if he can offer some advice.
If everything goes smoothly, that would be best. If there are any issues with the claim, tell Chang'an to let me know. As a teacher, I consider myself... well, I won't take advantage of that.
But I'm still happy to help!"
Since the offer of help was so sincere, Ding Yun naturally responded with thanks and exchanged pleasantries.
Then she quickly asked her grandson to find a doctor.
She explained to the doctor that she had a paralyzed patient at home who couldn't be left alone and hoped they could transfer the patient over. She also asked her grandson to go home and bring her bank card and medical insurance card so she could settle the bills.
It wasn't that they didn't have money.
They couldn't just wait for the claim to be processed before paying. She had to pay upfront. The hospital provided invoices and statements, and since it was a public hospital, not a private one, both the medical insurance card and the other insurance would cover some of the costs and wouldn't have a reason to refuse the claim.
Then, everyone got busy with their respective tasks.
Teacher Xiao, true to her word, saw the task through to the end. She took Liu Chang'an back home to retrieve the bank card and medical insurance card. She also helped the hospital nurses move Liu Linxia, who was paralyzed in bed, onto the ambulance. After ensuring Liu Chang'an was back, she left without even having a sip of water.
Since Ding Yun's leg was still fractured and she couldn't get out of bed, she directed her grandson verbally on paying fees, getting medication, and hiring a caregiver.
Although it took a bit longer and involved asking many people, everything was eventually handled.
However, after all this commotion,
It was already nearing dusk.
Ding Yun, worried about her grandson’s safety on his way home late, urged him,
"Chang'an, now that everything is done, you should hurry home, do your homework, and go to bed early. You can come see me again after class tomorrow. Don't let me disrupt your normal schedule!"
"Grandma, why don't I stay and keep you company? I see many people staying overnight to care for their relatives."
For Liu Chang'an, while his paralyzed aunt was family, his grandmother was the one he was most deeply attached to, having depended on each other. Thus, he was reluctant to leave his grandmother alone in the hospital.
Besides, if he stayed,
He could help his grandmother if she wanted a drink, needed something, or had to use the restroom. He couldn't trouble the nurses for such small matters.
"No, there's no use for you to stay here.
Chang'an, be good and listen to your grandma. You should go home. I've already hired a caregiver for your aunt. I can just pay her a little extra, and I'll ask her for help. You don't need to stay here just to keep me company.
Besides, if I need to use the restroom or something,
It would be inconvenient for you to be with me, wouldn't it?
And you can't help me with washing or bathing. There's no point in you staying here. So, you should go back. You're already in your second year of high school, and next year will be your third year, preparing for the college entrance exams. Your studies are the most important thing.
Moreover, my hands can still move, and in a couple of days, once my leg recovers a bit, I can use a wheelchair. I'm not as fragile as you think. So, you go back. You can come see me during your lunch break or after school in the evening."
Although her grandson meant well, his staying wouldn't be of much help. Therefore, Ding Yun explained the situation a bit and continued to urge him to go back and rest early.
Liu Chang'an thought about it and agreed. It was indeed inconvenient for him to help his grandmother with washing or using the restroom. So, he finally nodded dejectedly and asked Ding Yun if she needed anything to eat or any other supplies.
He could bring them the next day.
However, after Ding Yun showed him that she could order food herself, he stopped asking about necessities.
...
Early the next morning, Ding Yun took out her phone and began researching information on insurance, claims, car accidents, and relevant legal provisions.
After organizing this information,
She then began the process of contacting the insurance company for a claim.
The original owner had purchased a considerable amount of insurance for herself and her grandson, including accident insurance and medical expense insurance. While the outcome of the claim against the deceased driver was uncertain, the insurance she had purchased for herself could certainly be claimed now.
As for why the original owner had bought so much insurance,
It wasn't to commit insurance fraud.
The truth was that her family had experienced a lot of misfortunes. Her husband had died in an accident, her son in a car accident, and her daughter was paralyzed in a car accident.
Without the insurance payouts or compensation from the construction site, she couldn't imagine how she would have managed to raise her children and grandchildren.
With so many past precedents, she naturally had to get insurance for herself and her grandson. If something unexpected happened and she didn't die, at least she wouldn't have to worry too much about medical expenses. If she did die, it would provide some compensation for her loved ones.
As for the result—
She was told to wait.
First, they were waiting for verification from the insurance company. Second, they were waiting to see if the other party, the driver responsible for the accident, had purchased insurance and would provide compensation.
This involved the claims standards for accident insurance
And its general limitations.
In Ding Yun's current situation, she had neither died nor suffered permanent disability. Therefore, the accident insurance would primarily cover medical expenses. Expenses like lost wages or nutritional support were not included.
These would have to be negotiated directly with the driver responsible.
The limitation was that the medical expenses covered weren't a blank check. Regardless of how much insurance you bought, if you incurred ten thousand yuan in medical expenses, the total payout from all insurances would not exceed ten thousand yuan, not a single penny more.
The insurance company where the original owner had purchased her accident insurance was waiting on the situation with the responsible party. This was because if the insurance company the responsible party was insured with paid a certain amount for medical expenses, their payout would be less.
For example, if the medical expenses were ten thousand yuan and the responsible party's insurance paid nine thousand yuan, then Ding Yun's own insurance would only need to pay one thousand yuan.
Therefore, they naturally had to wait and see.