by Guest » Sun Oct 23, 2011 04:49 pm
I was rear ended by an uninsured motorist a little over a month ago. I know that my insurance company will try to collect money from him for the car repair, my deductible and my medical bills. Does that process start right away, since the car repair has already been paid for? Does subrogation of medical bills have to wait until treatment is completely finished? My claims agent told me that as long as the at fault driver makes regular payments to them, even small payments, they won't report him for driving uninsured. So he really has no incentive to make more than small regular payments, or at least that is how it seems to me. My insurance hasn't given me any info on this part of the claim. Will they let me know the status of subrogation, or will I only find out anything if they send me a reimbursement for my deductible?
Also, I have $1000 in Medpay. I've been submitting my medical bills and receipts for my copays for doctor visits and physical therapy for the past four weeks, but haven't gotten any of the Medpay yet. Do they wait until I am owed the full $1000 before they reimburse anything, or how soon should I start getting reimbursed?
Thanks for the help.
Also, I have $1000 in Medpay. I've been submitting my medical bills and receipts for my copays for doctor visits and physical therapy for the past four weeks, but haven't gotten any of the Medpay yet. Do they wait until I am owed the full $1000 before they reimburse anything, or how soon should I start getting reimbursed?
Thanks for the help.
Posted: Fri Oct 28, 2011 03:25 pm Post Subject:
Thank you so much for that detailed response, it does help clarify how the whole system works. I knew that my health insurance would get their money back first if I got any settlement. They actually called to let me know that all accident related bills would be handled by their subrogation department, so they wasted no time in making me aware of that, which I understand.
Would it be better in the long run if I ask my providers to start billing my auto insurance going forward? I am not anticipating a large settlement on this anyway, and certainly not much at all in my pocket after medical bills are taken care of, but I also want to take whatever course will maximize my chances of getting at least something for me, since this has made a mess of my life at least for the time being. If it is better/smarter to have my doctors bill my auto insurance, I will start doing that, I just can't get my aduster to give me any answers about the best way to handle it.
Thanks again, it is so helpful to just get an explanation!
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