Answers to Everyday Questions : Can i bill my medical insurance and auto insurance for personal injury medical claims?

Can i bill my medical insurance and auto insurance for personal injury medical claims?

10 Responses to “Can i bill my medical insurance and auto insurance for personal injury medical claims?”

1. dren said :
   August 6th, 2010 at 10:17 am

   If it was related to an auto injury and you live in a no fault state then the person who hit you’s auto insurance should have paid 100%. If you live in a fault state and it’s your responsibility then your auto insurance should have paid for you. If your state doesn’t require insurance then whoever’s fault it was is responsible for paying. Your medical insurance isn’t responsible when it comes to auto accidents unless you have no other way to pay for it. So, short answer is if it’s their fault then yes their responsible for paying the full amount of your medical bills – regardless of whether your medical insurance already has paid it.

   I’m not a lawyer, so check with your lawyer!
2. intheleast said :
   August 6th, 2010 at 10:30 am

   I don’t know if it is illegal or not. But insurance companies always ask if you have other insurance. They will not both pay out on the same claim. It is possible that if you were injured in an automobile accident, that the auto insurance would pay the co-pay and deductible amount you had to out of pocket.

   If it was an auto accident, it should have all been filed with the auto insurance carrier, who generally doesn’t have deductibles (unless you are filing on your own auto insurance).
3. Mike Hunt said :
   August 6th, 2010 at 10:51 am

   no, you can’t
4. efflandt said :
   August 6th, 2010 at 11:03 am

   If you collect from someone else liable for the accident, then you would need to pay back whatever that covers that your medical insurance paid for you, because medical insurance is not really supposed to cover you for a car accident unless nothing else does.

   So if you are trying to settle with someone who was 100% liable, you should try to at least get the total of your medical expenses, not just the balance that you owe.
5. jabbajae said :
   August 6th, 2010 at 11:21 am

   No, you cant get around paying copays and dedct. it wouldnt matter if its due to personal injury. it’s the regulation for the policy you signed up for. check with your employer or read your benefits packet to better understand the benefits.
6. Pat said :
   August 6th, 2010 at 11:44 am

   It’s my understanding that if your injury was caused while driving your car, your car insurance company would be considered primary, then your medical insurance would be considered secondary – to pick up most or all of the remaining costs.

   I hope this helps.
7. lucy said :
   August 6th, 2010 at 12:34 pm

   In auto accidents, auto insurance is primary and health insurance is secondary. When you settle for a injury settlement, you will be required to pay back either the auto or health insurance what they paid for your medical bills.

   Most likely your health insurance will find out this was due to an accident and ask you if you have auto insurance for reimbursement.

   Call YOUR insurance company and inquire if you have medical payments and/or PIP on your policy. They should pay these bills and possibly any co-pays, deductibles depending on your policy and state where you live. They will explain the procedure.

   In any settlement, they should include the amount of your medical bills including your out of pocket expenses, maybe lost wages and some pain/suffering. But any payment made by auto or health will have a lien on that amount paid on your behalf.
   good luck
8. mbrcatz said :
   August 6th, 2010 at 1:14 pm

   The full amout is included – including what your medical insurance paid out. THEY get reimbursed first, before you see a dime of it, so you’d BETTER include it!~
9. anon y said :
   August 6th, 2010 at 1:40 pm

   Liability insurance covers only the last point, while comprehensive insurance covers all three. Even comprehensive insurance, however, doesn’t fully cover the risk associated with purchaseing a new car. Due to the sharp decline in value immediately following purchase, there is generally a period in which the remaining car payments exceed the compensation the insurer will pay for a “totaled” (destroyed, or written-off) vehicle. So-called GAP insurance was established in the early 1980’s to provide protection to consumers based upon purchaseing and market trends. The escalating price of cars, extended term auto loans, and the increasing popularity of leasing gave birth to GAP protection. GAP waivers provide protection for consumers when a “gap” exists between the actual value of their vehicle and the amount of money owed to the bank or leasing company. In some countries including New Zealand and Australia market structures mean that people are more likely to purchase a nearly new car than a new car so this is less of a problem.
10. auto claim settlement said :
    December 28th, 2011 at 12:38 am

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