by Guest » Tue Jun 03, 2008 10:00 am
My ins company paid my medical bills through my med pay. The accident was NOT my fault. The other ins company told me that they would reimburse me the $5000 med pay that my company covered. They are telling me now that they do not pay the med pay back to me. Whats up with this?
Posted: Tue Jun 03, 2008 10:05 am Post Subject:
Many states do not allow subrogation for medpay (mine doesn't-MO)...Now that being said, some states will still require the 'at fault' carrier pay the injured party for the med bills on top of what has already been paid under their med pay coverage (double dipping)...some states do not allow this...I'm guessing that is the case with yours..double dipping is not allowed and medpay is not subrogatible....Or another possiblity is that medpay IS subrogatible and they will be paying your carrier back rather than you...You after all are not out this money (correct?)...They will still owe you an injury settlement...
Posted: Tue Jun 03, 2008 11:33 pm Post Subject:
Lori, What if a person had lots of co-pays on their medical and treatment? Wouldn't the injured party be due to be reimbursed?
Posted: Wed Jun 04, 2008 10:56 am Post Subject:
Lori, What if a person had lots of co-pays on their medical and treatment? Wouldn't the injured party be due to be reimbursed?
Yep, should be...Posted: Sun Jun 15, 2008 11:48 am Post Subject: indemnifying
You are not supposed to gain from insurance, insurance is only supposed to put you back to the same exact situation you were in right before the claim.
Posted: Sun Jun 15, 2008 12:07 pm Post Subject:
You are not supposed to gain from insurance, insurance is only supposed to put you back to the same exact situation you were in right before the claim.
Yes, Jon that is correct however many states allow double dipping of med pay...(mine included)..it is the opinion that not being a required coverage (med pay in MO anyway)...if the insured pays the premium for this coverage they are entitled to collect it regardless of being paid under the BI portion of the at fault party's policy.Posted: Sun Jun 15, 2008 01:07 pm Post Subject: va
sorry your right I was thinking of something else. oops. I am licensend in VA and i know here in our state Med pay is stackable on vehicles. so if you have 10000 on your policy and you have 3 cars, you have 30000 per person, with no extra charge. kdl59_2000, lori is right. in most states you are allowed to double dip. sorry for my lack of paying attention :)
Posted: Sun Jun 15, 2008 03:25 pm Post Subject:
No biggie Jon....sure would make life easier if all states were the same huh? :wink: I closely border three states and have to check and double check laws/rules all the time!
Posted: Mon Jun 16, 2008 01:50 am Post Subject: yup
you are so right. personally I think all states should follow NC rules and regs. Even though it can be a pain, in that state it either it is or it isn't. which makes life simple. :)
Posted: Fri Jul 04, 2008 03:33 am Post Subject: repaying med pay
After being involved in a accident, and settling my insurance company is asking for the med payments back. Is this right here in Ca.
Posted: Fri Jul 04, 2008 07:04 am Post Subject:
Hi george, I understand its frustrating, but med-pay is a 'reimbursable coverage', which implies that when you receive the compensation from the at-fault party's insurer you're required to reimburse your own insurance company for the expenses that they have made under the med-pay coverage.
It must have been described in your policy papers under the reimbursement clause that whether or not you're required to reimburse you insurer once your claim is settled with the party at-fault.
You should know more about medpay subrogation these days!
Thanks,
Carol
Add your comment