re: Uninsured motorist bodily injury coverage

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Your medical insurer's contract typically has language specifying their rights when a third party such as another motorists (either through their liability coverage or your uninsured coverage if they are uninsured) is responsible.

When you go for treatment you will likely sign a form saying that your medical treatment provider or your insurer can recover against anyone who may be responsible. They will ask if it was an accident and if someone was at fault.

This will result in a lien letter to your attorney or the other driver's insurer, and your medical provider and insurer will get reimbursed from any settlement or judgment you achieve.

Sometimes this results in your medical insurer not paying your provider and pointing at the auto insurers. Meanwhile you get bills and demand letters and hope it doesn't hit your credit report.

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