do i have to pay health insurance out of my car insurance s

Posted: Fri Feb 27, 2009 09:48 am Post Subject:

Hi Malone, I'm sure the experts will shortly be around to solve your dilemma. However, as far I know, most of the states allow the health carrier to subrogate against the auto insurer if the insured has the PIP or Medpay.

Thanks,
Rupert

Posted: Fri Feb 27, 2009 10:09 am Post Subject:

IMO you shouldn't settle until you are sure that no future medication is required. Once you settle with the insurer and sign the release form, you would not be able to pursue the claim in the future. Most state laws would restrict that. California, however, doesn't allow the insured to double dip.

Posted: Fri Feb 27, 2009 02:39 pm Post Subject: dealing with insurance has caused me stress

my car insurance already refuses to pay any more physical therapy treatmensts .i had 5 more left.my car insurance says that i didnt have enough car damage to be hurt.

Posted: Fri Feb 27, 2009 03:21 pm Post Subject:

Hi Connie, I can not see how your car insurance can assume you need no more coverage for physical therapy. Have you had your physical thereapist call or contact the insurance provider in anyway to show you needed to finish?
As for the medical bills. I am going through something simialiar. Who do you think you have to pay back? You own personal health carrier or your car insurance med pay? If it is your own personal health insurance then you probaly will have to pay them back. I myself have to but am hoping to settle for less than they paid. Some carriers will drop the amount by 25% or sometimes one third of what they paid out.
If it is your auto med pay that covered the bills then it is my understanding that they will not have to be paid back. There are experts around this site and hopefully one will drop in. I am just giving you information from my personal experience. Good Luck.

Posted: Sat Feb 28, 2009 05:41 pm Post Subject:

i took the easy way out and settled it. the stree os it was making me ill. i had always though aaa insurance was a the best. now i know different.

Posted: Sat Feb 28, 2009 10:38 pm Post Subject:

Settling with an insurance company can be stressful and time consuming. Glad to see you got it all taken care of. I just hope that your personal health insurance did not pay any of the bills because some times they will want money back. I am glad though you got everything taken care of. Good luck.

Posted: Sat Feb 28, 2009 10:49 pm Post Subject:

i wanted to thank all of you that took the time to respond to me. made me feel like i wasn't alone.

Posted: Sat Feb 28, 2009 10:51 pm Post Subject:

That is what we are in this business for. :) It is unfortunate that both the insurance and the medical worlds are so complex that people feel lost in the system. That is not our intention. Our goal is to take care of you when you need it most.

Best of luck with everything!

Posted: Sun Mar 01, 2009 03:06 am Post Subject:

You are so very welcome. I agree with Christy it really is a confusing world. I am just glad you got everything worked out. If you ever need us in the future just come back, maybe even book mark the site or add it to your favorites. All the best to you.