What would you like to do?
It depends on which state you are in. If you are in a no-fault state, the medical provider will typically bill the no-fault (PIP) insurance provider directly. Even in states without no-fault laws, if your injuries arose from a motor vehicle accident and you have personal injury protection or medical payment coverage, your health insurer may refuse to pay your claim until your automobile insurance coverage is exhausted and subrogation (a claim against the at-fault party or their insurer) has been explored.
It is not necessarily true, despite the answer below, that no medical provider is going to bill an auto insurance carrier. I think the responder was generalizing their experience to all 50 states, which just isn't the case.
This is not accurate information. Because the billing will be generated by the medical provider, they are going to bill the most likely source of reimbursement. That will be your health insurance. They (health insurance carriers) are bound by a contract with the insured (usually via an employer) to provide coverage for a wide variety of treatment in a wide variety of venues. The providers don't care much what coverage you have beyond this health insurance and it is NOT their problem or responsibility. They will simply bill the most obvious source. They are in the business of providing medical treatment and not collections. If you don't provide or have health insurance, they will simply bill you. If you DO have coverage somewhere, they still will not bill coverages/policies OTHER THAN HEALTH INSURERS. The health insurance will likely send you a questionairre about this accident (if the information isn't readily available in what the provider submits to them.) The questions will include where and HOW the accident happened and which law enforcement agency, if any, responded and made a report. IT WILL SPECIFICALLY ASK YOU ABOUT YOUR OWN AUTOMOBILE INSURANCE AND WILL ASK IF YOU CARRY PIP OR MEDPAY ON YOUR POLICY. If you do, they will immediately send a Notice of Subrogation rights to the carrier.
If you do NOT have Medpay or PIP coverage, then the Health Insurance carrier will send a notice of subrogation rights to the carrier of the at-fault party or the at fault party themselves if they are uninsured. Your questionairre will also ask if you are represented by an attorney for your injuries. If you are, the health ins carrier will also send a Notice of Subrogation rights to your attorney.
Treatment for injuries in an auto accident will be covered by the auto policy first and health insurance would start paying for amounts above the auto policy limits. Other than that, there's no relationship.
You have the option of choosing whether to have your health insurance carrier pay as the primary carrier for medical treatment from an auto accident. (This would apply to injuries to you or your covered dependents, that is. Non-family member passengers would be covered under your usual auto policy limitations or the at fault driver's insurance.) If you want your own health insurance to pay as primary for your or your dependent's medical treatment due to an auto accident, you must specify this provision to your auto insurance agent (they won't ususally offer this, because they lose out on some of the premium). If you have a stable employment and good health insurance coverage history, it makes sense to choose health insurance primary because you save money, and your health insurance is usally easier to deal with when it comes to getting claims paid.
Wow, this is a wide-open question.
Auto insurance can be the insurance of the injured party whether at fault or not, or the insurance of the at-fault party.
Here's a possible scenario.
JohnDriver has an accident, for which he is clearly not liable. There is no dispute about liability between his insurance company and the other driver or the other driver's insurance company.
John is injured and treats with a chiropractor. He has good health insurance and he provides the chiropractor's office with the health insurance information. But John's health insurance company notes that this was an automobile accident, when they receive his bill and treatment notes from the chiropractor.
They then send John a questionnaire. They want to know the following:
Who insures his vehicle; company name and policy number. >> They will then send John's insurance company a notice of subrogation, stating they intend to recover their costs under John's policy. Johns auto insurance company will indeed reimburse them IF John had first party medical coverage on his policy: PIP or Medical Payments coverage.
Who was at fault and, if not John, who insures that person? >> At this point, the health insurance carrier won't really get into who is at fault/liable; they really don't care. They are simply also putting this insurance company on notice that they are going to pay for John's medical treatment, but reserve their right to 'subrogate' (recover damages/$$) from them, the carrier of the at-fault driver.
So, the HEALTH insurance carrier will initially pay for medical treatment, BECAUSE they have a contract to do so. But they will subrogate in the above order, going FIRST to John's carrier, because that is not dependent on who is at fault; the coverage is there and will be available when John is injured in, on, alighting from, his vehicle NEXT, they will go to the at-fault driver's carrier. (If John himself is at fault, they obviously can't take this step, BUT, they will still put this company on notice.) Any medical costs that exceed the coverage available on John's policy will be presented to this company. If John's medical costs exceed the policy limits of the at fault driver, they will put the at fault driver on notice as well AND they will determine if John has any UM/UIM coverage on HIS policy (Uninsured Motorist/UNDERinsured Motorist). They can also recover the excess from that coverage on John's policy. They will also be conducting an investigation and determining liability, to determine who they will PURSUE. Remember, initially, they are just putting everyone on notice.
Now, in the interim, John's Auto Insurancecompany will also be putting everyone on notice for the monies they are paying out under the MedPay coverage. They will attempt recovery from Driver2's Auto Carrier AND from Driver2 himself, if damages exceed Driver2's policy limits....
WOW, are you sorry you asked??? :)
It is not necessarily true, despite the answer below, that no medical provider is going to bill an auto insurance carrier. I think the responder was generalizing their experience to all 50 states, which just isn't the case.
This is not accurate information. Because the billing will be generated by the medical provider, they are going to bill the most likely source of reimbursement. That will be your health insurance. They (health insurance carriers) are bound by a contract with the insured (usually via an employer) to provide coverage for a wide variety of treatment in a wide variety of venues. The providers don't care much what coverage you have beyond this health insurance and it is NOT their problem or responsibility. They will simply bill the most obvious source. They are in the business of providing medical treatment and not collections. If you don't provide or have health insurance, they will simply bill you. If you DO have coverage somewhere, they still will not bill coverages/policies OTHER THAN HEALTH INSURERS. The health insurance will likely send you a questionairre about this accident (if the information isn't readily available in what the provider submits to them.) The questions will include where and HOW the accident happened and which law enforcement agency, if any, responded and made a report. IT WILL SPECIFICALLY ASK YOU ABOUT YOUR OWN AUTOMOBILE INSURANCE AND WILL ASK IF YOU CARRY PIP OR MEDPAY ON YOUR POLICY. If you do, they will immediately send a Notice of Subrogation rights to the carrier.
- note that in true no-fault states, this process is quite different; the majority of states are NOT no-fault states and I am responding for those states.****
If you do NOT have Medpay or PIP coverage, then the Health Insurance carrier will send a notice of subrogation rights to the carrier of the at-fault party or the at fault party themselves if they are uninsured. Your questionairre will also ask if you are represented by an attorney for your injuries. If you are, the health ins carrier will also send a Notice of Subrogation rights to your attorney.
Treatment for injuries in an auto accident will be covered by the auto policy first and health insurance would start paying for amounts above the auto policy limits. Other than that, there's no relationship.
You have the option of choosing whether to have your health insurance carrier pay as the primary carrier for medical treatment from an auto accident. (This would apply to injuries to you or your covered dependents, that is. Non-family member passengers would be covered under your usual auto policy limitations or the at fault driver's insurance.) If you want your own health insurance to pay as primary for your or your dependent's medical treatment due to an auto accident, you must specify this provision to your auto insurance agent (they won't ususally offer this, because they lose out on some of the premium). If you have a stable employment and good health insurance coverage history, it makes sense to choose health insurance primary because you save money, and your health insurance is usally easier to deal with when it comes to getting claims paid.
Wow, this is a wide-open question.
Auto insurance can be the insurance of the injured party whether at fault or not, or the insurance of the at-fault party.
Here's a possible scenario.
JohnDriver has an accident, for which he is clearly not liable. There is no dispute about liability between his insurance company and the other driver or the other driver's insurance company.
John is injured and treats with a chiropractor. He has good health insurance and he provides the chiropractor's office with the health insurance information. But John's health insurance company notes that this was an automobile accident, when they receive his bill and treatment notes from the chiropractor.
They then send John a questionnaire. They want to know the following:
Who insures his vehicle; company name and policy number. >> They will then send John's insurance company a notice of subrogation, stating they intend to recover their costs under John's policy. Johns auto insurance company will indeed reimburse them IF John had first party medical coverage on his policy: PIP or Medical Payments coverage.
Who was at fault and, if not John, who insures that person? >> At this point, the health insurance carrier won't really get into who is at fault/liable; they really don't care. They are simply also putting this insurance company on notice that they are going to pay for John's medical treatment, but reserve their right to 'subrogate' (recover damages/$$) from them, the carrier of the at-fault driver.
So, the HEALTH insurance carrier will initially pay for medical treatment, BECAUSE they have a contract to do so. But they will subrogate in the above order, going FIRST to John's carrier, because that is not dependent on who is at fault; the coverage is there and will be available when John is injured in, on, alighting from, his vehicle NEXT, they will go to the at-fault driver's carrier. (If John himself is at fault, they obviously can't take this step, BUT, they will still put this company on notice.) Any medical costs that exceed the coverage available on John's policy will be presented to this company. If John's medical costs exceed the policy limits of the at fault driver, they will put the at fault driver on notice as well AND they will determine if John has any UM/UIM coverage on HIS policy (Uninsured Motorist/UNDERinsured Motorist). They can also recover the excess from that coverage on John's policy. They will also be conducting an investigation and determining liability, to determine who they will PURSUE. Remember, initially, they are just putting everyone on notice.
Now, in the interim, John's Auto Insurancecompany will also be putting everyone on notice for the monies they are paying out under the MedPay coverage. They will attempt recovery from Driver2's Auto Carrier AND from Driver2 himself, if damages exceed Driver2's policy limits....
WOW, are you sorry you asked??? :)
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If you have health insurance will your PIP pay for an injury in an auto accident?
Answer In Florida, PIP will pay 80% of the bills till a total of $10,000 is reached. After the $10,000 limit, the health insurance will kick in as i…f that was the primary insurance. So 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. But 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. Beaware 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. The 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. With 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.
If you don't have PIP on your auto insurance and you are at fault will your health insurance cover your medical costs?
Answer Yes, if you provide them with proof of non coverage.
Can you get auto insurance if you have not had auto insurance?
(autoinsurance.aains.us/low-cost-auto-insurance) maybe it will help you
Difference between mediclaim insurance and health insurance?
Mediclaim is a reimbursement policy where the amount of expenses incurred during your hospitalization or pre & post hospitalization according to your policy will be given back… to you. This might be cashless i.e. you will not have to pay from your pocket or reimbursed after you submit all the discharge reports etc. If there is no claim during the term as defined in the policy you will not get anything. Health Insurance policy is generally initiated by Life Insurance Corporations where a particular sum is given to you as per your policy. In this case even if your expenses are lower than the sum insured, it will be profit for you. If no such need arises they will pay back the whole with profits if any at the end of the term. They will be taking a part of your investment as their service charges.
What is the difference between health and supplemental insurance?
Health Insurance pays benefits to the doctors and hospitals that provide medical assistance when your are sick or hurt. Supplemental Insurance pays benefits directly… to you. Use the money to cover unpaid medical bills, travel expenses, and to replace lost income.
Do Auto Mechanics get health insurance?
The answer depends upon whether the mechanic is self-employed, employed by a third-party, and other factors pertaining to their work situation. A self-employed mechanic is not…, by virtue of the type of work, precluded from buying health insurance for him/herself if he/she is otherwise insurable and can afford it. Likewise, if the mechanic works for someone else, the answer will depend upon whether the employer offers it as a benefit of employment. Additionally, depending upon the state in which the employer is located and often, the number of employees, he/she/it may be required to maintain workers compensation insurance. This provides health insurance-like coverage for employees who are injured or who become ill for reasons that are "within the course and scope of" their employment.
What is the difference between government requiring the purchase of auto insurance and government requiring the purchase of health insurance?
I think what most people find objectionable are: Driving is optional Breathing is not Being a bad (and expensive) risk for car insurance is usually caused by …bad behavior; Being a bad risk for health insurance is often something we are born with Mandating health insurance may or may not be a good thing for the US. However, people are going to respond to this issue as much emotionally as they will logically. We fear a loss of control. We may be forced to see a doctor we don't like or pay for something we don't want. Our taxes may skyrocket. If we don't have coverage, the desire to live and the desire to live a healthy productive life also has it's emotional gravity. If you have a serious disease and your inability to qualify for health insurance impacts your quality of life and your life expectancy, you can be expected to react emotionally to this issue.
What is the difference between health insurance and accident and sickness insurance?
Health insurance usually covers things such as routine exams, immunizations, cancer, hospital stays for any reason. The other usually covers things caused by an accident or a …cold!
In an auto accident in California do you bill your auto insurance as the primary insurance or your health insurance?
If you have both medical insurance and auto insurance, the primary company billed will depend on the situation. If your injuries and medical costs were caused by an auto accid…ent and you carry Medical Payments coverage, you will bill your auto insurance provider. If you do not carry Med Pay insurance coverage, as it is optional in the state of California, the circumstances will depend on who is deemed at fault for the accident. If the other party is at fault, you will bill their insurance company and will advise your claims adjuster as well. If you are deemed at fault and do not carry Med Pay, the only insurance you can bill is your medical insurance provider. Be sure your medical insurance provider does not exclude injuries caused in an automobile accident before approving chiropractic care.
What is the difference between Business auto insurance vs personal auto insurance?
Business auto insurance coverages commercial vehicles or vehicles used for work. Personal auto insurance coverages a personal automobile that is not used for work related ac…tivities.
What if I have health insurance but no auto insurance?
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.
Answered
What is the relationship between the insurance agent and the insurance carrier?
the agent is under the authority of the principal, or insurance carrier, and has the ability to make decisions as a representative of the carrier. Therefore, the principal can… be held legally liable for the agent's business
Answered
What is the relationship between risk and insurance?
Risk is converted into insurence. This is relation between both. Everyone wants to plan and secure their lives. Let me introduce you to such an insurance plan, which gives E…veryone wants to plan and secure their lives. Let me introduce you to such an insurance plan, which gives you guaranteed returns with periodic cash back, security and safety. Tax savings and your future goals get additional bonus in your bucket. For further details on the insurance plan contact on the email:- jaya1163090@prupartner.com
Answered
Can you bundle your health insurance with other insurances such as auto and home?
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.
Answered
Can you bill the health insurance at the same time as the auto insurance?
Try this site where you can compare quotes from different companies: insureinfo.us
Answered
In Men's Health
What is the difference between life insurance and health insurance?
Life insurance is a contract providing for payment of a sum of money to the person assured or, failing him, to the person entitled to receive the same, on the happening of cer…tain event. Health insurance is a contract between the policy holder and the insurance service provider whereby the later takes the responsibility to cover the insured person against certain illness/disease as specified in the policy bond up to an agreed sum insured against payment of premium payable yearly.