Offer for auto accident

by Guest » Wed Dec 05, 2012 12:45 am
Guest

I was told she was offering to pay my medical bills and lost wages ($3,366.45) and am offering you $3000 in addition to that. All outstanding balances will be paid directly to the medical providers and I will give you a copy of those checks for your records. No payments will be made until we have a signed release on file.

My bills have already been paid by medical payments so, do I need to ask for the insurance company to pay me the amount that was due for the medical bills. The amount of the bill was $3266.00 total.and $100.45 for lost wages.

Total Comments: 3

Posted: Wed Dec 05, 2012 01:32 am Post Subject:

Tell the adjuster that _you_ will address the medical bills. If the adjuster resists, remind them that the release obligates you to settle all liens and indemnify the carrier if this is not done. If they still won't do it, speak to that person's supervisor and go up the chain of command.

You want to do this as then _you_ can contact the providers and let them know how "low" the settlement was (not the amount... just that it was not much). Let them know you want to pay them but asked them to reduce their bill if you will pay them right away. Most providers will lower their bills 50% or at least 20%. _You_ then get to keep the difference.

The carrier cannot lower the bills. They would need to pay them at 100%. Why let the medical provider keep that (over-billed) amount and not you? This is why an aspirin a hospital costs $5.00.... because most of the time they don't get paid. That is not why you should need to pay $5.00.

Correction... I see that you mentioned your bills have already been paid. I'm not sure where this MP coverage comes from so I don't know if they can look to you for payment. I'm also not sure why the carrier would want to pay the providers if the providers have already been paid. Simply tell them this and then there is no good reason for them to pay the providers.

Posted: Wed Dec 05, 2012 08:27 pm Post Subject:

there is no good reason for them to pay the providers.


Quite true. But if the providers were paid by the OP's health insurance, that company will want to be reimbursed by the at-fault third party for their loss.

All money should be paid to the OP at this point, and then any subsidiary/subrogation claims can be addressed.

Posted: Thu Dec 06, 2012 03:03 am Post Subject:

As mentioned above, its probably best to have all reimbursements from the offending vehicle’s liability insurance carrier pass through you rather than paid directly to those medical providers. This might give you an opportunity to negotiate down those medical liens (i.e. settle for less than the lien amount and pocket the difference). Furthermore, if you have a PIP carrier who has already reimbursed some of those medical providers, check to see if your state recognizes PIP or medical payment subrogation; if not, then you might be entitled to keep that aspect of the recovery from the third party carrier

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