If your auto is hit the other driver's auto insurance pays all medical expenses and so does your health insurance must you reimburse your company?
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
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If an out of state driver with no auto insurance has an accident in NJ is their health insurance or the NJ driver's auto insurance primary?
Someone's health insurance is not going to cover any injuries in an auto accident. That covered by the insurance on the vehicle. Since there wasn't any, it would appear the vi…ctim(s) only recourse would be to sue. And hope they can collect any judgment they might be awarded. Health Insurance WILL most definitely cover injuries resulting from an automobile accident. Some motoe vehicle insurance policies even have a "health insurance primary" option. The questions was how to determine which is primary , the health insurance or the insured drivers motor vehicle coverage
Do you have to reimburse a health insurance provider that paid for medical bills if you received a bodily injury settlement from your auto insurance?
If they have a Subrogation Clause (Section of Property Insurance and Liability Insurance policies giving an insurer the right to take legal action against a third party respon…sible for a loss to an insured for which a claim has been paid) in their contract (and most do). The above answer is correct. What this means is you need to take this into consideration when deciding on a settlement. If your health insurance paid $50,000 in benefits and your attorney gets 30% of what he/she recovers, settling for $75,000 may sound nice but you will likely never see a nickel of it.
How do you go about getting a hit and run driver's insurance company to pay when they are refusing to do so?
If you have a name/plate/make/mode/ etc, contact your local police, hit and runs are against the law in any state. The police will get the info you need....Wait a minute, are …you saying you have all this info and the at fault drivers ins is refuseing to pay? In that case please advise what is their reason for denial? The have to tell you the reasons they are denying the claim, once I know the reason I can be of greater assistance. If you don't wish to give that contact the Dept of Ins for your state and file a complaint, again they HAVE to respond to all complaints and it is very time sensative.
Answer . In Florida, PIP will pay 80% of the bills till a total of $10,000 is reached. \n. \nAfter the $10,000 limit, the health insurance will kick in as if that was th…e primary insurance. \n. \nSo what about the 20% before the $10,000. Send the remaining balance bills to your health insurance or the provider if the provider belongs to the health insurance list. Most of the health insurance companies will pay nothing of the 20% as the auto PIP will have paid several fold the allowable amount that the helath insurance pays had it not been as a result of an auto accident. They will tell the provider that no additional payment is due. So you will not pay a dime from your pocket till you reach the $10,000 limit. \n. \nBut if you are going to a out-of-network provider, I do not know. So when you go to ER or a doctor, tell them you only want to see your health insurance providers. They may not do so but insist.\n. \nBeaware of even network providers trying to ask you to pay the balance if your health insurance company does not pay anything. They become greedy like anyone else.\n. \nThe sun is setting on reqd PIP in Florida. It is a boon for people who have a insurance as they will not go thru the hassles that providers put you thru for the balance of the PIP. On PIP, charges are 3-4 times what is allowed by health insurance companies. So hospitals and doctors make a killing. With PIP gone in Fall, now the lawyers will make a killing by suing for injuries. And if you are not insured, you are in trouble even if the accident was not your fault. PIP was a good idea, but when hospitals and doctors got greedy, it became to be known as a scam. \n. \nWith our mentality of making money in the short run, this is what the consumer gets. He is shafted no matter what, just getting shafted by different people. Do you want to be shafted by the medical community or the lawyers. Take your pick.
Can you decline Personal Injury Protection Insurance in New Jersey if your health insurance company pays medical expenses from an auto accident?
Answer . \nCall and ask your agent
Answer . You don't say how alcohol was involved. If you are drunk driving and wreck and hurt yourself, passengers others, barring any policy exclusions to the contrary yes…, there is coverage, if you could be more specific I could be of more assistance.
Must you reimburse your insurance company for medical bills paid on your behalf when you get a settlement from the other insurance company even though youve been paying premiums to cover medical costs?
Answer . normaly yes, many people dont. you can wait it out, see if they ever catch on. if not go buy some shoes, if they do, which usually takes at least a year, get read…y to return the shoes. eventually the insurance companies settle their explanation of benefits, and find out who owes what.
Your choice, depending on which coverage is better. Try the auto insurance first. but remember, their job is to minimize costs, and sometimes you have to go where they send yo…u. they may have limits depending on the policy and state laws. your medical coverage is designed to cut costs by keeping you alive and healthy to keep paying them. they don't make money off dead people or people too sick to work and keep coverage. they will usually end up paying for long term issues, especially if they don't pop up right away or if a pre existing conditioned is worsed. how much wor$e is the back pain, really? you should go through the auto insurance if its drastic, expensive, extensive care. if its minor aches and pain just pay your 10$ or $20 copay and go to your primary care physician (your doctor). if you get hurt in an accident, go to the closest hospital right away, don't delay or the ins co may try to loophole out of paying you, thinking scam alert. i once tapped a couple in their 50's when i was 16 and only driving for a few months. he slammed on his breaks after realizing he was about to miss his turn. at 20 miles in a 25 (it was 200 yards after a turn) i hit a pile of wet leaves next to a stone wall and skidded into them. i was sited no fault as i could not get off the road or go into opposing traffic (why they stopped). they were complaining about how hard i hit them and she was saying he already had a bad back and now this. the office on the scene asked them did they want him to call them an ambulance to take them to a hospital. She said right away no, they were going to their own doctor. after they left the cop told me they would be trouble. but they were denied due to lack of physical proof and officer testimony. so the moral is because some scam, they reason all are potential scammers until proven actually hurt.
If you have an auto accident and you do not have auto insurance with medical payments coverage for your injuries and medical costs, you may need to research the coverages avai…lable through your medical insurance policy. If you are not at fault for the accident that caused you injury, and the third party insurance provider has taken responsibility for the accident, the at fault party's liability insurance should pay for medical injuries up to the limits on their policy. Because you do not have insurance, receiving a claim payout might require more work because you do not have an adjuster working for you. If you were at fault for the accident and you do not have auto insurance, you will need to speak with a representative from your medical insurance company to discuss the coverage provided under that policy. You may have a co-pay or a percentage you are responsible for depending on if you have an HMO or PPO.
The 2 types of insurance serve different purposes, although in one respect, there is some overlap. At its most basic, health insurance is intended to pay to or on behalf of… the insured sums of money for medical bills incurred because of sickness or injury. Auto insurance includes several different coverages. The one most closely like health insurance is frequently referred to as "no fault coverage". It pays a percentage of the insured's medical expenses and lost wages if he/she was injured as a result of an auto collision. Benefits are paid irrespective of who caused the collision. Health insurance is not currently required by law. In contrast, anyone who wishes to register a vehicle is required to comply with the state's "financial responsibility law" which requires the registrant to have and to maintain certain types and amounts of auto insurance.
What is the amount that an insured person must pay before reimbursement for medical expenses begins?
Your health insurance policy will specify DEDUCTIBLE amounts on the Declarations page (usually the first page) of the insurance policy. This is the amount that you must initia…lly pay before the insurer is on the risk for any payment. Additionally, there are copayments, also specified in the policy, for which you will be responsible. These recognize that the insurer is only responsible for a portion of covered expenses incurred. An example is that the insurer would pay 80% of the covered expanse, and the copayment would therefore be 20%, which would be the insured's responsibility.
It is possible to bundle your health insurance with others such as your auto, home, and life insurance. It is not only convenient but you can also save money by bundling all o…f your insurance together.
1. Most states have a requirement that a registrant of an auto maintain "personal injury protection" (PIP) coverage (altho the name may be different). This is the essence of s…o-called no-fault auto insurance. Essentially, it pays a percentage of the insured's own medical bills and lost wages, up to a maximum amount, arising from an auto collision. It pays those expenses irrespective of fault for the collision. 2. Most insurers also offer a Medical Payments coverage. This is often an optional coverage. It pays an additional amount toward medical expenses , and often coordinates with the PIP coverage. Therefore, if the PIP coverage pays 80% of the medical bills, up to the policy limits, the medical payments coverage will pay the remaining 20% up to its policy limits. 3. If medical expenses exceed #1 and #2, one's major medical insurance is triggered. The auto insurance is "primary" in the sense that its benefits have to be exhausted before major medical insurance is called upon to pay. This is because auto insurance is required by state "financial responsibility laws" and for the further reason that it and the major medical insurance contain "coordination of benefits" provisions making the auto insurance primary. 4. If medical expenses still exceed the total available auto insurance and major medical insurance (including, if there is no major medical insurance), the injured party/insured is personally responsible for unpaid amounts. In this situation, the health care provider frequently is willing to work out payment arrangements. Alternatively, the unpaid amounts may be discharged in bankruptcy, but this is a very drastic step and should be avoided if at all possible.
It depends. There are many conditions that weigh in the cost of one's auto insurance. A person's age, location, gender, car type, and whether or not you are a good driver.
Who reimburse your health insurance provider that paid for medical bills if you received a settlement from your auto insurance you or auto insurance?
The insurance company would pay them directly to make sure they are paid.
No. You will have to use your health insurance first.
Costs vary for insurance for your home and auto depending on a number of factors. For auto insurance, the value of your vehicle, length of time driving, and credit record are… important factors. For home insurance, the value of your home and your credit rating will determine insurance costs.