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Started By
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Question about auto accident and insurance.
Posted on 6/22/17 at 8:05 pm
Posted on 6/22/17 at 8:05 pm
My son was in an auto accident and the other driver was at fault. He is going to be alright and is doing well.
He is going to have a minor surgery and my health insurance is paying for it. The other drivers insurance told me to keep up with my out of pocket expenses and they will reimburse me. It seems to me they should also reimburse my health insurance company for their share of the surgery. No one has mentioned anything about that.
He is going to have a minor surgery and my health insurance is paying for it. The other drivers insurance told me to keep up with my out of pocket expenses and they will reimburse me. It seems to me they should also reimburse my health insurance company for their share of the surgery. No one has mentioned anything about that.
15
Posted on 6/22/17 at 8:06 pm to highcotton2
I think your insurance company will sue his insurance company to recoup their money
Posted on 6/22/17 at 8:08 pm to highcotton2
Your insurance will go after his. Is that the one where the other driver admitted to taking drugs and driving?
Posted on 6/22/17 at 8:08 pm to highcotton2
His liability insurance will have a certain amount of bodily injury/medical coverage if he's found at fault I believe.
This post was edited on 6/22/17 at 8:09 pm
Posted on 6/22/17 at 8:09 pm to highcotton2
Did you sign anything from the other guy's insurance company?
I know this sounds cliche, but I feel like this is a time where contacting a lawyer is not a bad move.
I know this sounds cliche, but I feel like this is a time where contacting a lawyer is not a bad move.
Posted on 6/22/17 at 8:09 pm to highcotton2
Your health insurance will decide that and go after them if they feel necessary
Posted on 6/22/17 at 8:09 pm to highcotton2
Your health carrier will send a subrogation lien for any money they pay out.
Posted on 6/22/17 at 8:10 pm to highcotton2
Your health insurance company will likely "subrogate" against the other driver's insurance. Basically your health insurance will pay up front then go after the other driver's insurance to recoup as much of their expenses as possible. Happens all the time in auto accident claims
Posted on 6/22/17 at 8:12 pm to highcotton2
Collect 100% of all expenses. Any UM?
Posted on 6/22/17 at 8:17 pm to papasmurf1269
Subrogate.
And OP, they do owe the insurance company as well, but it sounds like they'd rather pay your out of pocket stuff to you first.
Is the surgery accident related?
And OP, they do owe the insurance company as well, but it sounds like they'd rather pay your out of pocket stuff to you first.
Is the surgery accident related?
Posted on 6/22/17 at 8:18 pm to highcotton2
Your insurance will probably subrogate.
This post was edited on 6/22/17 at 8:19 pm
Posted on 6/22/17 at 8:21 pm to CaptainsWafer
quote:
Is the surgery accident related?
Yes the surgery is a direct result of the accident.
I contacted my auto insurance but really didn't think about telling my health ins. company. Never really heard of a health insurance company going after an auto insurance company for payment.
This post was edited on 6/22/17 at 8:22 pm
Posted on 6/22/17 at 8:21 pm to highcotton2
Call Spencer Callahan
Oh your in bama
Call Alexander Shunarah
Oh your in bama
Call Alexander Shunarah
Posted on 6/22/17 at 8:22 pm to highcotton2
If they pay for something that's accident related, they'll definitely want their money back. In some cases they may waive subrogation depending on what the at fault persons limits are so you can have recover as much as possible.
ETA I would think the other person carries decent limits if the adjuster hasn't said anything about any limits issues. That's a good thing.
ETA I would think the other person carries decent limits if the adjuster hasn't said anything about any limits issues. That's a good thing.
This post was edited on 6/22/17 at 8:23 pm
Posted on 6/22/17 at 8:22 pm to highcotton2
make sure you get paid for pain and suffering. Could help pay for his college and be a down payment on his first house.
Posted on 6/22/17 at 8:25 pm to CapperVin
I think it was a commercial vehicle that hit his sone too
Posted on 6/22/17 at 8:28 pm to yellowfin
Even better. Then he shouldn't have to worry about the bills.
OP keep your sons EOBs showing what you've paid and what you still owe out of pocket.
OP keep your sons EOBs showing what you've paid and what you still owe out of pocket.
Posted on 6/22/17 at 8:31 pm to highcotton2
Dude. If he is having a surgery, you should get an attorney. Don't rely on TD to help you.
Posted on 6/22/17 at 8:31 pm to highcotton2
It's nice of you to worry about your health insurance company getting reimbursed.
Posted on 6/22/17 at 8:36 pm to highcotton2
What kind of surgery? You get full costs of medicals from the other insurer. Your health insurer will want reimbursement from you. You can negotiate that down. Don't know about Alabama but in Louisiana your health insurerer doesn't get paid until you're made whole, including pain and suffering.
You should be getting a lawyer. If you don't they WILL screw you.
You should be getting a lawyer. If you don't they WILL screw you.
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