by Guest » Tue Jun 03, 2008 10:00 am
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?
Posted: Fri Jul 04, 2008 07:27 am Post Subject:
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.
Posted: Fri Jul 04, 2008 01:43 pm Post Subject:
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.
Posted: Fri Jul 04, 2008 04:13 pm Post Subject: CA medpay
no double dipping is allowed in California.
Posted: Sat Jul 05, 2008 04:26 am Post Subject:
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? :wink:
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
Posted: Sat Jul 05, 2008 10:48 pm Post Subject:
yes, roddick, you are right :)
Posted: Wed Sep 15, 2010 04:22 am Post Subject: Med Pay
I was in an accident and hit by a drunk driver. I had treatment and settled with the other party. I am now being charged back the med pay by Auto Club. They are threatening to sue me.
Do I have an recourse?
Posted: Wed Sep 15, 2010 04:22 am Post Subject: Med Pay
I was in an accident and hit by a drunk driver. I had treatment and settled with the other party. I am now being charged back the med pay by Auto Club. They are threatening to sue me.
Do I have an recourse?
Posted: Wed Sep 15, 2010 04:22 am Post Subject: Med Pay
I was in an accident and hit by a drunk driver. I had treatment and settled with the other party. I am now being charged back the med pay by Auto Club. They are threatening to sue me.
Do I have an recourse?
Posted: Wed Sep 15, 2010 05:17 am Post Subject:
I was in an accident and hit by a drunk driver. I had treatment and settled with the other party. I am now being charged back the med pay by Auto Club. They are threatening to sue me.
Many states allow the Med Pay carrier to seek recovery. Your settlement with the at fault carrier included all of your medical bills... even the ones paid by your Med Pay carrier.Posted: Wed Sep 15, 2010 11:40 am Post Subject:
roddick
most insurance companies discourage their adjusters from making posts or lending advice in this capacity due to ethical or legal issues
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