What would you like to do?
What is the relationship between auto insurance and health insurance?
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??? :)
Was this answer useful?
Follow
How are the contestants eliminated?
View Full Interview
Can you get auto insurance if you have not had auto insurance?
(autoinsurance.aains.us/low-cost-auto-insurance) maybe it will help you
What is the difference between health care and health insurance?
Health care is the care provided to you by doctors, clinicians, hospitals, etc. Health insurance is a method of paying for that health care. An insurance carrier develops a he…alth insurance plan that covers certain costs incurred by a patient on that plan. The patient is called a plan member. The plan member is charged a monthly premium for that plan.
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.
Is health insurance bussinious insurance?
Do you mean business insurance right? No, they are collateral of each other. Health insurance can be you against your medical bill or treatment in the hospitals. While…, Business insurance is used against fire damage, electricity spark damage. For this clarification you can visit Rais Insurance site as they have abundant knowledge to clear your point.
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.
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.
What is auto insurance?
This is insurance which protects the insured against losses involving the use of automobiles. Various coverages may be bought depending on the desires of the insured. Such cov…erages include the liability coverages of bodily injury, property damage, and medical payments, and the physical damage coverages of collision and comprehensive. Auto insurance requirements vary. If you're not sure what's required in your home state or country, or you're moving, educate yourself on your state's or country's minimum auto insurance requirements and plan to exceed them. (If you're involved in a serious accident, carrying the minimum requirements won't cover your losses!) Auto insurance helps you to protect you and your family against financial loss in the event of an accident or other cause of loss.It covers the injuries and damages caused by an accident and for which you are legally responsible. Answer- Auto insurance is a protection that protects the owner of vehicle against financial loss if vehicle have accident. It is a contract between vehicle owner and auto insurance company. The vehicle owner pays the fix amount of premium to the auto insurance company and in exchange the insurance company pays to the vehicle owner against loss as mentioned in the insurance policy. There may be various types of auto insurance coverage such as property damage coverage, vehicle body injury coverage, collision coverage, personal injury coverage and more.
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.
Lititia Cullins
found this useful
What is the difference between a health insurance plan and a health insurance policy?
There is no difference. These are just two different terms referring to the same thing.
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
What is the difference between a health insurance subscriber and a health insurance member?
The Subscriber is the policy holder. A member is anyone covered under an insurance plan.
Answered
In New Jersey is auto insurance primary over health insurance?
Yes it is.
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
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
What is the difference between regular health insurance and major medical health insurance?
The difference between regular health insurance and major health insurance boils down to coverage. Regular health insurance covers basic procedures such as check ups, minor i…llnesses and minor injuries. Major health insurance is purchased when one wants coverage for more serious health conditions such as broken bones, serious traumatic injuries and cancer treatments.
Answered Most Recently
What is the difference between Commercial Auto Insurance and Business Auto Insurance?
There is really no difference. It's just a difference in the terms used. Both are actually a commercial automobile insurance policy. One company may call it business and the o…ther may call it commercial but it's exactly the same thing.