If one is involved in a single car accident with injuries, then that person's insurance covers the medical expenses as Injury insurance. As well as covering for the repairs of the vehicle. Most insurance companies require a deductible which is the amount the insured would pay out of pocket before the insurer (insurance co) would pay. Not sure if the answers even cover your question.
there is no needed treatment for erythema toxicum neonatorum. It typically resolves itself within 5-7 days. A nurse practitioner will typically just reassure the parents.