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 Posted: Mon Jun 02, 2008 4:07 pm Post subject: med pay re-payment |
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My ins company paid my medical bills through my med pay. The accident was NOT my fault. The other ins company told me that they would reimburse me the $5000 med pay that my company covered. They are telling me now that they do not pay the med pay back to me. Whats up with this?
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kdl59_2000
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| Posted: Tue Jun 03, 2008 10:05 am Post subject: |
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Many states do not allow subrogation for medpay (mine doesn't-MO)...Now that being said, some states will still require the 'at fault' carrier pay the injured party for the med bills on top of what has already been paid under their med pay coverage (double dipping)...some states do not allow this...I'm guessing that is the case with yours..double dipping is not allowed and medpay is not subrogatible....Or another possiblity is that medpay IS subrogatible and they will be paying your carrier back rather than you...You after all are not out this money (correct?)...They will still owe you an injury settlement...
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Lori
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| Posted: Tue Jun 03, 2008 11:33 pm Post subject: |
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| Lori, What if a person had lots of co-pays on their medical and treatment? Wouldn't the injured party be due to be reimbursed? |
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fireyone
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| Posted: Wed Jun 04, 2008 10:56 am Post subject: |
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| Quote: | | Lori, What if a person had lots of co-pays on their medical and treatment? Wouldn't the injured party be due to be reimbursed? |
Yep, should be...
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Lori
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| Posted: Sun Jun 15, 2008 11:48 am Post subject: indemnifying |
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| You are not supposed to gain from insurance, insurance is only supposed to put you back to the same exact situation you were in right before the claim. |
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Jon
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| Posted: Sun Jun 15, 2008 12:07 pm Post subject: |
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| Quote: | | You are not supposed to gain from insurance, insurance is only supposed to put you back to the same exact situation you were in right before the claim. |
Yes, Jon that is correct however many states allow double dipping of med pay...(mine included)..it is the opinion that not being a required coverage (med pay in MO anyway)...if the insured pays the premium for this coverage they are entitled to collect it regardless of being paid under the BI portion of the at fault party's policy.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Sun Jun 15, 2008 1:07 pm Post subject: va |
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sorry your right I was thinking of something else. oops. I am licensend in VA and i know here in our state Med pay is stackable on vehicles. so if you have 10000 on your policy and you have 3 cars, you have 30000 per person, with no extra charge. kdl59_2000, lori is right. in most states you are allowed to double dip. sorry for my lack of paying attention  |
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Jon
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| Posted: Sun Jun 15, 2008 3:25 pm Post subject: |
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No biggie Jon....sure would make life easier if all states were the same huh?  I closely border three states and have to check and double check laws/rules all the time!
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Mon Jun 16, 2008 1:50 am Post subject: yup |
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| you are so right. personally I think all states should follow NC rules and regs. Even though it can be a pain, in that state it either it is or it isn't. which makes life simple. |
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Jon
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| Posted: Fri Jul 04, 2008 3:33 am Post subject: repaying med pay |
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After being involved in a accident, and settling my insurance company is asking for the med payments back. Is this right here in Ca.
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george
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| Posted: Fri Jul 04, 2008 7:04 am Post subject: |
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Hi george, I understand its frustrating, but med-pay is a 'reimbursable coverage', which implies that when you receive the compensation from the at-fault party's insurer you're required to reimburse your own insurance company for the expenses that they have made under the med-pay coverage.
It must have been described in your policy papers under the reimbursement clause that whether or not you're required to reimburse you insurer once your claim is settled with the party at-fault.
You should know more about medpay subrogation these days!
Thanks,
Carol |
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carol
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| Posted: Fri Jul 04, 2008 7:27 am Post subject: |
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| Quote: | | Hi george, I understand its frustrating, but med-pay is a 'reimbursable coverage', which implies that when you receive the coverage from the at-fault party's insurer you're required to reimburse your own company for the expenses they have made under the med-pay. |
That's quite right....however another provision says that the insurance company can't ask for the reimbursement before you're settled with the at-fault party and are compensated suitably for the losses incurred. Pls check it with the policy document for more clarification. |
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RupertWBradson
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| Posted: Fri Jul 04, 2008 1:43 pm Post subject: |
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| Quote: | | but med-pay is a 'reimbursable coverage', which implies that when you receive the compensation from the at-fault party's insurer you're required to reimburse your own insurance company for the expenses that they have made under the med-pay coverage. |
This may be so in CA, Carol, but it's not in MO. Medpay is pay directly to the insured (unless they request otherwise) and is NOT subrogatible...EXCEPT if you are in accident in a no-fault state (MO is not), then PIP has to reimburse your medpay....
George give the CA Dept of Ins a quick call they will have a consumer line, and just ask that would be your best and quickest bet...I'd say more than likely it is subrgatible since they have requested reimbursment.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Fri Jul 04, 2008 4:13 pm Post subject: CA medpay |
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no double dipping is allowed in California.
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anonymousadjuster
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| Posted: Sat Jul 05, 2008 4:26 am Post subject: |
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Hey anonymousadjuster,
why stay anonymous? you seem to have a sound knowledge in the field of insurance, why don't you join us? You can sure become an asset to the community.
Am I right friends?
And George, you can find some interesting reading regarding the ways of Med Pay in the following url. try it out....
http://www.ampminsure.org/claims/about3628.html |
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roddick
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