My then boyfriend(now husband)and I were in an car accident in June2006.It was his fault, a deer ran in front of us and he swerved and totaled the car in a ditch.I had to go to the emergency room to be treated for back pain.At the time he had bodily injury liability coverage but no one ever gave the hospital any auto information and Geico never asked either of us about my medical treatment, and both of us assumed it was all taken care of.The he went on deployment to Iraq and I got a notice from a collection agency that my bills were in collection.After going back and forth a hundred times with the collection agency, they told me it was resolved.I never heard anything from them again but I looked at my credit report and it says the 2 medical bills are still in collection!How do I reopen the claim to make Geico pay for these medical bills so itll stop lowering my credit?I was given the number to the guy who handled the case but I'm afraid he's going to tell me it's closed and thats's it.
2007-12-22 16:06:43 · 10 answers · asked by KC D 1 in Cars & Transportation ➔ Insurance & Registration
First of all, you have to find out the limits of "medical" coverage he had on his insurance (during the time the accident occurred). If for example, his limits were up to $2,000 per person and your medical bill was $3,000 then you have to pay the difference ($1000). If you were working and you have medical coverage thru your employer, you should find out if your coverage with your employer will pick up the difference. Also, the hospital should have at least notified you to let you know that there is a balance due. The hospital should have given you a chance to pay the balance even before a collection agency was involved. Most of the time, a collection agency is involved only after so many notices sent to you by the hospital were ignored. As for finding out what was paid by Geico, you have to look for the claim number assigned to the claim when the accident happened. You can call Geico's claims office, give them the claim number and proceed from there. If you don't have the claim number, look for the policy number. If you do not have either one, you can always call the customer service department and start from there. It will take patience on BOTH sides to resolve this problem. If they give you the run around, tell them that you'll report them to the Department of Insurance in your state.
2007-12-22 16:31:29 · answer #1 · answered by nightroddude 2 · 0⤊ 0⤋
A claim can be reopened when information that wasn't known by you comes into play. As far as 2 of your medical bills being in collection, you can call the collection agencies and explain to them your bills are the result of a car accident to be paid by the insurance company. Tell them to send the bills back to the creditor. You get your copy of the bills and present them to the insurance company and ask them why they were not paid. If they are related to your accident, then the medical coverage on the insurance policy is supposed to take care of them.
2007-12-22 16:28:00 · answer #2 · answered by bobby 6 · 0⤊ 0⤋
You call the adjuster who handled the claim. Liability coverage may not apply. In many states - when you hit a deer, the injured passenger is entitled to Medical Payment Coverage (med pay) if that is on the car. The adjuster who is handling the claim can explain how it works in your state.
2007-12-22 23:50:44 · answer #3 · answered by Boots 7 · 0⤊ 0⤋
The repair work done is to restore your car to its original condition (pre-accident state). You are entitled to the lost of car use - either a replacement car or a fixed amount per day
2016-04-10 21:32:12 · answer #4 · answered by Anonymous · 0⤊ 0⤋
You need to start with the guy who's number you were given. It is not unusual or uncommon for claims to be reopened for reasons like this.
2007-12-22 16:16:35 · answer #5 · answered by Anonymous · 0⤊ 0⤋
it was not his fault .my daughter hit a dog and she was not a fault you dont know when you going to run in to something like that.my son was going to LA with his friends it was nite and the hit a cow it was in the street anyways the car was totaled there was **** all over the place they were all full of it no one was hurt but they werent at fault the owner was for not keeping it in a closed fence. you should go see a lawyer.
2007-12-22 16:18:48 · answer #6 · answered by Anonymous · 0⤊ 0⤋
call the adjuster who handled the claim. he will go back and look at it and can reopen to pay the bills if they were covered. its done all the time.
2007-12-23 03:41:38 · answer #7 · answered by Queen B 6 · 0⤊ 0⤋
Sorry to hear about this ' i had a case and it has been 10 yr's. and is still not resolved.
good Luck in you'rs and may you'r husband come home SAFE.
2007-12-22 16:57:09 · answer #8 · answered by lytesdelite 5 · 0⤊ 0⤋
They will re open a claim if facts are presented which previously were not known.
You shouldn't have a problem.
2007-12-22 16:11:38 · answer #9 · answered by Barry auh2o 7 · 0⤊ 0⤋
Crash in to something new!!
2007-12-22 17:03:26 · answer #10 · answered by hooksup2 2 · 0⤊ 0⤋