In a NON-at fault car accident and used my health insurance to go to the doctor, can my insurance come for mny

Question

My girlfriend and I were involved in a re-end accident and the other drive admitted fault immediately. All insurances were contacted and his insurance took the blame. We both went to urgent care to get checked out and paid our two 10 $ co-pays through our health insurance. I was fine, about 15 xrays... She was swollen in the neck with whiplash, about 15 xrays.

We went to see his insurance agent and they wanted to settle right then. The lady mis-lead us by saying they would get the total charge of the urgent care visits, and re-imburse us the full price. She also said the money for the after care would be paid out to us as well and to just use our insurance... So we think the deal is good and sign the papers.

We talk to a few people and they tell us, my health insurance is going to come looking for that money.

Is it true that my health insurance will be expecting this money back?

Also, if we signed their papers, is there any way to get out of it because she lied?

Answer 1

if you sign, then you accept what they offer you and thats it. You give up the right to do anything further. You can have your medical payments insurance pay for your medical bills. Then you have the other guys insurance reimburse your ins for that AND PAY YOU FOR PAIN AND SUFFERING,
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Answer 2

I don't understand why your health insurance is paying for the visits in the first place? If you sustained injuries while in a car then your health insurance shouldn't pay. Whenever you have an injury the insurance requires the doctor to ask how and where it happened and to pass that information to then along with the bill before they will pay. If the medical insurance saw that it happened in a car then they wouldn't have paid. The urgent care must've said the injury happened some other way. So, it's pretty dangerous for you to believe that the health insurance will continue to pay for your future visits or that they won't come back later and ask for their money back from the urgent care if they ever find out that the injury was from a car accident.

I believe that is why the insurance agent told you she would reimburse you the full price-because she assumed you paid out-of-pocket because usually medical insurance won't pay.

Answer 3

Have you talked to your insurance people?