How do I get the Car insurance company Responsible to pay my Medical Bills?
Sup! asked:
A guy backed into my car. It was parked to sell it. So no insurance policy on it. My BF and I were sitting in the car out of the rain writting out a new for sale sign.
A guy backed into my car. It was parked to sell it. So no insurance policy on it. My BF and I were sitting in the car out of the rain writting out a new for sale sign.
My BF and I were injured. The medical people are refusing to bill the insurance company responsible. They wanted me to pay up front and get rembursed later or have some other insurance cover it. I used my work health insurance, but I will have to go after the Car insurance company to pay the bill. How do I do that?
COLETTE
bundysmom
Sorry, but the insurance company has no contractual obligation to you, as such, they won’t pay your bills, i.e. set up a direct bill. Their only contractual obligation is to their insured. This is called 3rd party….no doctors office bills 3rd party, they only bill 1st party, i.e. your heatlh insurance in this case.
All the insurance company is required to do is compensate you for injuries sustained as a result of this accident. They do so after you have completed treating….how you pay the bills is not their concern. They review the records & bills and offer you a lump sum settlement. If you have bills to pay, you pay them out of this settlement, whatever is left over is yours to keep. If your health insurance places a lien on the settlement, you still have to pay your health insurance back.
Sarah C
Third party (not your own insurance) does not pay bills as you go along because they are not contractually obligated to pay all bills in their entirety. You will most likely have to meet with the adjuster and settle the claim before money is paid. Secondly, if you are in a state like CA, you may be out of luck. If your car has no insurance, you cannot collect from someone else’s insurance.