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Message
OT Insurance Help - Related to a vehicle Accident
Posted on 6/7/26 at 6:09 pm
Posted on 6/7/26 at 6:09 pm
My son was a passenger in his buddy’s car that was involved in an accident that was his friend’s fault. My son hit his head pretty good and went to the emergency room to get checked since it happened late Friday night. They said he has a mild concussion and to take it easy. I don’t want to call Gordon and willing to pay our deductible which is $350 for the ER visit.
We prefer not to file a claim against his friends insurance and just let our health insurance take over. It’s been awhile since anyone in my family has been involved in a wreck and I seem to remember the health insurance will ask if this was part of an accident. Will we be forced to file with his friend’s insurance or will we be able to let our health insurance handle everything?
TLDR: son was a passenger of vehicle involved in a wreck and went to the ER, we don’t want to file with his friends insurance and just let our health insurance cover it. Will our health insurance allow that?
We prefer not to file a claim against his friends insurance and just let our health insurance take over. It’s been awhile since anyone in my family has been involved in a wreck and I seem to remember the health insurance will ask if this was part of an accident. Will we be forced to file with his friend’s insurance or will we be able to let our health insurance handle everything?
TLDR: son was a passenger of vehicle involved in a wreck and went to the ER, we don’t want to file with his friends insurance and just let our health insurance cover it. Will our health insurance allow that?
10
Posted on 6/7/26 at 6:12 pm to zx24
quote:
Will our health insurance allow that?
All health insurance is probably not the same, best to ask your issuer.
That said, hope your son feels better soon!
Posted on 6/7/26 at 6:13 pm to zx24
You could just pay the $350 and be done with it
Is this some shitty attempt to troll using 350?
Is this some shitty attempt to troll using 350?
Posted on 6/7/26 at 6:13 pm to zx24
There’s coverage under the auto owners policy to cover the er visit and any follow up at son doc. No need to get turdhead.
Ask auto owner to let his insurance company know but it should be noted on accident report.
Ask auto owner to let his insurance company know but it should be noted on accident report.
Posted on 6/7/26 at 6:15 pm to zx24
Your health insurance carrier has the "rights or subrogation" meaning that they may initially pay your claims but they then have the right to go after the liability portion of your son's buddy's auto insurance carrier.
If they sense that this was an auto accident they will send your son a accident questionnaire that they hope he will complete and return.
If they sense that this was an auto accident they will send your son a accident questionnaire that they hope he will complete and return.
This post was edited on 6/7/26 at 6:18 pm
Posted on 6/7/26 at 6:18 pm to zx24
There is a likelihood that your health insurance will see this is a result of an auto accident and pursue subrogation vs his insurance company.
Posted on 6/7/26 at 6:23 pm to zx24
Your health insurer will likely pursue the friend’s auto insurer for reimbursement for the medical expenses once the health insurer becomes aware that the ER trip was related to a car accident. Your friend’s auto insurer will have liability there.
Your friend will already get dinged with his auto insurer because of the at-fault accident when he makes a claim for his own vehicle damages and/or the other driver makes a claim against your friend’s policy.
Its not really going to be up to you about whether or not to file a claim against your friend, as your health insurer will be the ones dealing with that. Just go through your health insurance for now, and don’t be surprised if you get reimbursed your $350 co-pay at some point when your health insurer is reimbursed by the friend’s auto insurer.
Your friend will already get dinged with his auto insurer because of the at-fault accident when he makes a claim for his own vehicle damages and/or the other driver makes a claim against your friend’s policy.
Its not really going to be up to you about whether or not to file a claim against your friend, as your health insurer will be the ones dealing with that. Just go through your health insurance for now, and don’t be surprised if you get reimbursed your $350 co-pay at some point when your health insurer is reimbursed by the friend’s auto insurer.
Posted on 6/7/26 at 6:42 pm to zx24
One call, that's all...
Posted on 6/7/26 at 6:44 pm to Disco Ball
Allow me to expand on my previous post..
Unless there is overwhelming information in the ER medical records that your son wasn't the driver, and there won't be, your health insurance won't have any idea if there is another insurer that could/should be responsible for this claim.
This is why they send out an accident questionnaire.
You are not required to fill out the questionnaire....However...the type of health insurance you have does make a difference in how far they wlll pursue the matter.
Do you have a legally binding health insurance policy or are you a member of a HMO- Health Maintenance Organization.
Relative to most auto accidents your son's medical costs are extremley low and the cost to investigate the claim will be much higher than just paying the claim.
Protecting the auto ins of your son's friend shouldn't be a problem in this case.
Just "Zip it" and hope you don't have HMO coverage.
Unless there is overwhelming information in the ER medical records that your son wasn't the driver, and there won't be, your health insurance won't have any idea if there is another insurer that could/should be responsible for this claim.
This is why they send out an accident questionnaire.
You are not required to fill out the questionnaire....However...the type of health insurance you have does make a difference in how far they wlll pursue the matter.
Do you have a legally binding health insurance policy or are you a member of a HMO- Health Maintenance Organization.
Relative to most auto accidents your son's medical costs are extremley low and the cost to investigate the claim will be much higher than just paying the claim.
Protecting the auto ins of your son's friend shouldn't be a problem in this case.
Just "Zip it" and hope you don't have HMO coverage.
Posted on 6/7/26 at 6:56 pm to Disco Ball
Thanks, it sounds like we will just let the health insurance take care of everything and hopefully they don’t go too far down the path of tracking down the auto insurance.
Posted on 6/7/26 at 7:50 pm to zx24
quote:Just don’t lie.
Thanks, it sounds like we will just let the health insurance take care of everything and hopefully they don’t go too far down the path of tracking down the auto insurance.
Posted on 6/7/26 at 7:52 pm to W2NOMO
quote:
Just don’t lie.
I will not be lying. I just want to make sure we are protected and nothing comes back to us where we owe more out of pocket because we didn't engage the friends auto insurance.
Posted on 6/7/26 at 7:55 pm to zx24
If your son's friend was a fault, there's already going to be a claim. You getting reimbursed for your son's injuries isn't going to make the claim more severe. Does he have Med pay or are you in a state that requires PIP coverage? If so, that is no fault coverage that can be utilized for your sons injuries
Posted on 6/7/26 at 8:02 pm to zx24
quote:
I will not be lying. I just want to make sure we are protected and nothing comes back to us where we owe more out of pocket because we didn't engage the friends auto insurance.
This will not happen
Your health insurance carrier has the burden of proof and the rights of subrogation should they choose that path.
You have no liability
And keep in mind that if the parents of your son's friend make a claim against their policy then the damage to their policy is done.
Your son's very small claim won't make a difference
This post was edited on 6/7/26 at 8:43 pm
Posted on 6/7/26 at 9:41 pm to zx24
quote:
I just want to make sure we are protected and nothing comes back to us where we owe more out of pocket because we didn't engage the friends auto insurance.
If the health insurance wants to get reimbursed, they will seek it from the auto insurer, not from you.
Posted on 6/7/26 at 10:05 pm to zx24
There's medical payment coverage under the liability portion of the auto insurance...That's what it for. It covers the people riding in the vehicle up to the limits of the policy medical coverage. It varies as to how much the insured carries under their policy.
Example... Passenger had their arm broken when the airbag deployed. The medical bill was covered under the medical payment coverage of the auto policy.
Example... Passenger had their arm broken when the airbag deployed. The medical bill was covered under the medical payment coverage of the auto policy.
Posted on 6/7/26 at 10:13 pm to gladchiefisgone
quote:
There's medical payment coverage under the liability portion of the auto insurance...That's what it for. It covers the people riding in the vehicle up to the limits of the policy medical coverage. It varies as to how much the insured carries under their policy.
Yes, but understand the OP's position
They know the parents of the kid who was driving and don't want them to feel like they are attacking their auto insurance policy especially after the hit that their policy will take due to their son's "At fault" accident.
I get it and I've been there. If all they have out of pocket is a $350 deductible that's a very small price to pay to preserve a relationship.
Posted on 6/7/26 at 10:28 pm to Disco Ball
quote:
Yes, but understand the OP's position
I understand the position. But why let your insurance take a hit for something that company isn't responsible for? Then people complain when their premiums go up. Got to take the good with the bad when folks file under their own insurance that's not responsible.
I spent alongtime as a Cat (catastrophic) adjuster going into places after hurricanes....tornados...hail storms etc. I've seen it all. Lol.
Posted on 6/7/26 at 10:40 pm to gladchiefisgone
quote:
I understand the position. But why let your insurance take a hit for something that company isn't responsible for?
The OP's insurance is their own personal health insurance or an employer sponsered group health plan and is NOT taking a hit from their son's medical claims due to the accident.
Automobile insurance is very different and "Yes" every claim affects their C.L.U.E. report and their premiums
Posted on 6/8/26 at 1:48 am to Disco Ball
quote:
Your health insurance carrier has the "rights or subrogation" meaning that they may initially pay your claims but they then have the right to go after the liability portion of your son's buddy's auto insurance carrier. If they sense that this was an auto accident they will send your son an accident questionnaire that they hope he will complete and return.
Heck even some health care providers ask if your visit is the result of an automobile accident or even workplace accident.
That is so they know how and who to bill. I see this at my cardiologist’s office and they ask this in the online pre check in.
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