Who will pay for Mr. White's medical treatment after a car collision where the other driver is 80% at fault?

In the context of car collisions and insurance coverage, when determining who pays for medical treatment, it's essential to understand the role of no-fault insurance laws in many jurisdictions, including those applicable to the situation posed by this question.

Mr. White's insurance company will cover his medical treatment under the terms of his policy, specifically through the medical benefits portion. Many jurisdictions entail a no-fault system, meaning that each driver's own insurance comes into play to cover medical expenses regardless of who was at fault in the accident. Even though the other driver is determined to be 80% at fault, this percentage does not directly affect Mr. White's immediate access to his own insurance benefits for medical costs.

As a result, Mr. White’s insurance is responsible for compensating him for his medical expenses arising from the collision, streamlining the process of obtaining necessary care without him needing to wait for any liability determination or negotiations regarding fault. This aspect of insurance is designed to ensure that injured parties receive timely medical assistance, which is crucial in accident situations.