Accident and hospital bills...?

Question

I was involved last week in a rear-end accident (me being the person who was hit in the rear).Their insurance company took 100% liability (I have posted other questions regarding this accident..feel free to read & offer opinions to those as well) but now my question is this: when I went to ER and to my regular doctor for a check up which I am going again Thursday. I was told last week to let the ER know that I had personal insurance through my work b/c if not my medical bills could go over the policy limit that the person hit me had. So I did. I faxed the hospitals and doctor my insurance information and also gave them the lady's name & claim # from the other persons insurance company. #1 Does this mean I won't recieve any bills? #2 Does this mean the at fault insurance company will pay all? #3 Does this mean I still have to pay co-pay when I go for check up? #4 When we settle will I recieve money to pay the hospital bills or will that already be covered? And last if I recieve a

check for the hospital bills will I only need to pay them what I paid them (ex. co-pay) or the whole thing. Thanks...all this is new to me.

Answer 1

1) Whether or not the hospital sends you a bill, you'll want to be sure that you obtain an itemized copy of it for your records. Your adjuster has likely asked you to sign a medical authorization form. If you've elected not to hire an attorney, my recommendation is that you provide him with a signed medical authorization. This doesn't waive any of your rights and will allow the adjuster to gather all of your bills and records at no cost to you.
2) No. The 3rd party's insurance company will only pay for what is deemed as reasonable and necessary. I don't know anything about the severity of your accident or the extent of your injuries, so I can't comment on what might or might not be regarded as reasonable and necessary. Additionally, there are limits to liability. If your medical treatment exceeds the liability policy limits, you'll be on the hook for the overage. Depending on your state, you may also only receive consideration for medical expenses you actually incurred. For example - say you went to the ER and the hospital billed your healthcare insurance $1000. Your healthcare insurance company asserts its contractual agreement with the hospital and receives an $800 discount and only pays the hospital $200. If your state allows it, you may only recieve consideration for the $200.
3) Yes. Save your receipts.
4) When you settle your claim, the insurance company will likely have completed a check for liens. If the hospital has filed a lien with the county, the insurance company will have to honor it and will want to issue a separate check to the hospital. Likewise if your healthcare insurance provider has put them on notice of a lien or if you are covered under Medicare/caid.
5) See #4 above.

Answer 2

#1, possibly, but that's not necessarily a good thing. You want to keep track of the bills coming in, so you can get them filed and covered by ONE insurance company. You don't want them to pile up, and three years from now, have them go to collections - because by then it will be too late to have ANYONE else pay them, and you'll be writing the check.

#2. Not necessarily. Some states, you always collect under your own medical payments first. And just because they accepted full liability, does NOT mean the other guy has ENOUGH insurance to cover all your bills. This is a question for the other adjuster.

#3. Yes, you pay the copays, but your health insurance carrier is going to want to try to get the money from the other guy's auto coverage - so save your receipts! You can submit them as part of your claim for reimbursement, either through your own auto policy or the other guy's.

#4. Likely, you'll be getting the money, and you'll have to pay the hospital bills - and reimburse your health insurance company - directly.

#5. . . . can't see the question, sorry!

Answer 3

You are the one who received the medical treatment - so you are the one who is responsible for the bills. You will still receive bills.

The law can vary from state to state - since I don't know what state your in - I can't tell you specifics but here is some general info.

You are making a liability claim against the other person's insurance. Liability is not like health insurance - it does not pay as you go along. So, the liability adjuster will not pay your medical bills as you incur them. (There is a reason for this - and it's not to make your life hard - but for the interest of space, I will not go into it- just accept that it is how it is)

Once you are completed treatment and released from the dr, then you would settle up with the liability adjuster. The insurance company will settle up with in you in one lump sum (up to their policy limit). This will consider your medical bills, lost wages, pain and suffering etc.

If your medical bills exceeds the liability coverage limit on the other drivers policy - you would need to contact your insurance company and file an underinsured motorist claim.

However, while you are getting treatment, the dr wants to get paid, He's not going to treat you with a promise of payment on a future date.

If your health insurance will pay for your bills, turn them into it. Your health insurance company will send you a letter asking for the information for the liability adjuster. Fill that out and return it. The health insurance company will send the liability adjuster a lien putting them on notice that they have paid your medical bills and expect to be re-paid at the time of settlement.

Check with your agent: if you have a coverage on your automobile policy called Medical Payments (med pay) or Personal Injury Protection (PIP) - you can turn the bills into them for payment. These coverages are different from liability - these coverages will pay bills as you incur them.

Answer 4

If the other person took total responsibility for the accident, THEIR insurance is the ONLY one that should be billed. Your personal health insurance should NOT be billed for any of this. Therefore, you should not have to pay your copay or anything at all for this.

BTW - it is true that there is only a certain amount of money allotted for medical bills, and the first ones that come in are the first ones paid, and once that money is used up, it's up.

Answer 5

They may try to go through your car insurance, initally, rather than medical insurance from work.

As for how the insurance company pays out, it is up to each individual company, and I really would take it up with the company that belongs to the At-fault driver.

Answer 6

automobiles are insured, no longer drivers. the owner of the motor vehicle you have been in is reliable at this factor and if he has coverage, his coverage is "best". you are going to be able to desire to report a declare against him He desires to teach the declare over to and report the declare along with his coverage corporation. At this factor that is no longer proper who's at fault. The in touch coverage companies will verify that. If the owner of the motor vehicle you have been in is discovered no longer reliable then his coverage corporation will declare against the different corporation (or man or woman) Time is of the essence. record this ASAP