If your auto is hit the other driver's auto insurance pays all medical expenses and so does your health insurance must you reimburse your company?
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
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If your insurance pays you for an auto accident and the insurance company for the driver who hit you do you have to return one check?
If the other company only gave you the deductible amount, then probably not. But if both paid you the full amount, then you should turn the other company's check to yours. If the larger check came from the other driver's insurance, I'd return the check from your own insurance company - you're entit…led to the deductible amount, if you're not at fault. (MORE)
Gather up all your documentation , then file a small claims case against the driver in the county they live in . If the courts rule against them , then their insurance will pay you . I have done this procedure already and it works . You could certainly go to small claims court but it is risky. If t…he other party is insured, their insurance is obligated to provide them with a legal defense which means that they are going to have an attorney and you won't. You could get an attorney yourself but but that will likely cost way more than it is worth. 1.) If you are not hurt, it is going to be really difficult to find an attorney to take the case because the money will be too low. 2.) Any attorney that would take the case is going to be unwilling to actually take the case to trial because it would cost more to file suit than the case is actually worth. Instead, the attorney is going to negotiate the claim and take a reduced settlement. then the attorney is going to take a 1/3 of the money they collect ultimately taking even more money away from your repairs. 3.) When an attorney gets involved in an insurance claim, it sets off a series of warning signals to the claims adjuster and they are going to handle the case differently. Namely, they are going to hire an attorney to deal with your attorney and the whole thing is going to be drug out over years. Remember, insurance adjusters get threatened with lawsuits everyday. They are not afraid of attorneys. It is a large part of their job. All of this is going to result in you waiting for a really long time to get a disappointing recovery. There is an alternative to getting an attorney however. You can hire a subrogation company that is a member of "inter-company arbitration". The subrogation company can file arbitration against the insurance company and force them to pay the full amount of the repairs. I did this through a company called Cerberus Subrogation Professionals. www.cerberussubro.com It went really well. I didn't have to take a reduced settlement. I got the full amount I was seeking and it was way faster and way cheaper than getting an attorney. As far as I know, Cerberus was the only subrogation company that I could find that is member of arbitration. That is important. If the subrogation company is not a member of arbitration they can't file against the insurance company. (MORE)
If a pedestrian is found at fault in an accident involving a car and pedestrian which insurance would pay the medical bills - the auto insurance or the pedestrian's health insurance?
\n. \nSince Pedestrians always have the Right of Way, It is very rare if not impossible to find them at fault unless fraud or gross negligence can be established. Traditionally The drivers liability insurance will pay their medical bills.\n. \n Answer \n. \nIt depends on your state's laws, bu…t typically -- and strangely enough -- you'll find that the auto insurance will cover the pedestrian's medical bills. On the other hand, if your state doesn't require you to carry medical coverage (either Medpay or PIP) on your car insurance, the pedestrian might have to go to his or her health carrier.\n. \nThe reasoning behind this is that, despite liability, it's against public policy to not cover the medical bills of a pedestrian hit by an automobile. If auto insurance didn't pick up those bills, it would have a cascade effect on all the medical providers and vendors who attended the pedestrian. (MORE)
Does the other insurance company have to pay for all medical bills if the accident was their client's fault?
Depends on what state you are in and what your state's laws are. If you're in a no fault state, your insurance will pay for all of your medical bills no matter who is at fault.
If an out of state driver with no auto insurance has an accident in NJ is their health insurance or the NJ driver's auto insurance primary?
Someone's health insurance is not going to cover any injuries in an auto accident. That covered by the insurance on the vehicle. Since there wasn't any, it would appear the victim(s) only recourse would be to sue. And hope they can collect any judgment they might be awarded. Health Insurance WILL m…ost definitely cover injuries resulting from an automobile accident. Some motoe vehicle insurance policies even have a "health insurance primary" option. The questions was how to determine which is primary , the health insurance or the insured drivers motor vehicle coverage (MORE)
Do you have to reimburse a health insurance provider that paid for medical bills if you received a bodily injury settlement from your auto insurance?
If they have a Subrogation Clause (Section of Property Insurance and Liability Insurance policies giving an insurer the right to take legal action against a third party responsible for a loss to an insured for which a claim has been paid) in their contract (and most do). The above answer is correct.… What this means is you need to take this into consideration when deciding on a settlement. If your health insurance paid $50,000 in benefits and your attorney gets 30% of what he/she recovers, settling for $75,000 may sound nice but you will likely never see a nickel of it. (MORE)
How do you go about getting a hit and run driver's insurance company to pay when they are refusing to do so?
If you have a name/plate/make/mode/ etc, contact your local police, hit and runs are against the law in any state. The police will get the info you need....Wait a minute, are you saying you have all this info and the at fault drivers ins is refuseing to pay? In that case please advise what is their …reason for denial? The have to tell you the reasons they are denying the claim, once I know the reason I can be of greater assistance. If you don't wish to give that contact the Dept of Ins for your state and file a complaint, again they HAVE to respond to all complaints and it is very time sensative. (MORE)
Answer . In Florida, PIP will pay 80% of the bills till a total of $10,000 is reached. \n. \nAfter the $10,000 limit, the health insurance will kick in as if that was the primary insurance. \n. \nSo what about the 20% before the $10,000. Send the remaining balance bills to your health insur…ance or the provider if the provider belongs to the health insurance list. Most of the health insurance companies will pay nothing of the 20% as the auto PIP will have paid several fold the allowable amount that the helath insurance pays had it not been as a result of an auto accident. They will tell the provider that no additional payment is due. So you will not pay a dime from your pocket till you reach the $10,000 limit. \n. \nBut if you are going to a out-of-network provider, I do not know. So when you go to ER or a doctor, tell them you only want to see your health insurance providers. They may not do so but insist.\n. \nBeaware of even network providers trying to ask you to pay the balance if your health insurance company does not pay anything. They become greedy like anyone else.\n. \nThe sun is setting on reqd PIP in Florida. It is a boon for people who have a insurance as they will not go thru the hassles that providers put you thru for the balance of the PIP. On PIP, charges are 3-4 times what is allowed by health insurance companies. So hospitals and doctors make a killing. With PIP gone in Fall, now the lawyers will make a killing by suing for injuries. And if you are not insured, you are in trouble even if the accident was not your fault. PIP was a good idea, but when hospitals and doctors got greedy, it became to be known as a scam. \n. \nWith our mentality of making money in the short run, this is what the consumer gets. He is shafted no matter what, just getting shafted by different people. Do you want to be shafted by the medical community or the lawyers. Take your pick. (MORE)
Answer . Ask around and get different quotes from insurance companies. Whichever you feel is best for you, sign up. Start with www.progressive.com to see other insurance rates as well as theirs.
If you win a lawsuit and have to reimburse the insurance company for medical expenses can you deduct those medical expenses?
Answer \n\n\nYou should be able to claim the medical expenses against your income tax, but there are limitations.\n\nYou may have to claim them for the year that they were incurred. Which may mean you have to re-file taxes for that year. And Medical deductions are subject to a percentage offset.… Consult your attorney, who should tell you when you get your award, or consult a tax expert.\n\n\n Answer \n\nI gather what happened is you had medical expenses that were originally paid by (say your) insurance company. And instead of subrogation, you continued the lawsuit and won. The money you won had to be returned to the insurance company that already paid you for it (recovered). \n\nIt is all going to offset - you can't deduct the medical expense unless you claim the income from the insurance company paying you for the lawsuit. But, the easiest handling would be just like any other covered medical expense...your insurance deductible and such costs are income tax expenses if they are above the minimums (unlikely). (MORE)
"Best" is often a function of one's experience with the company. There are many very fine auto insurance companies-some big and some small. The manner in which claims are handled is often the way in which consumers judge insurers. Not all insurance companies write business in all states. It is crit…ical that you deal only with a company that is licensed ("authorized") to transact business in your state. You can determine this by contacting the State Insurance regulator in the Capitol of your state. To name a few, some reputable auto insurers include: State Farm Allstate USAA Progressive GEICO Farmers There are many others. You would be well advised to consult with a licensed agent or broker in your area. (MORE)
Auto Insurance Auto insurance is important because it makes people financially responsible should they cause an accident to someone else. Sure, people could sue instead or people could faithfully pay, but those aren't guarantees because a lot of people aren't honest to pay when they say they will a…nd lawsuits are only good if the other party can afford to pay. In addition to that, insurance companies usually have the money to cover damages to cars when they get in accidents that a lot of people may not have. That's why you pay premiums each month. (MORE)
Is it typical for an insurance company to require the deductible paid to them even if the accident wasn't your fault and you will be reimbursed for losses by the other driver's insurance?
Answer . I can't think of a time when the deductible is paid to the insurance company .......typcially would be paid to the repair facility, and is deducted from your settlement draft........i am assuming the following senerio: your vehicle was damaged and the other parties ins co had accepted …liability, your vehicle is in the shop and you will need to pay your deductible when the repairs are complete? two thing generally happen here......some times the other carrier will go ahead and issue the deductible on your behalf then when the 'supporting documents' have arrived they will pay your insurance company back (subrogation).......or (and unfortunately mostly), your company and you (via your deductible) pay the claim, then at fault carrier pays your insurance company back including your deductible, your company then reimburses your deductible to you...another option if you haven't already got your vehicle under repair....is to allow (some times wait) for other carrier to pay entire claim......if you could give me more information perhaps i can help you more...... (MORE)
Answer . You don't say how alcohol was involved. If you are drunk driving and wreck and hurt yourself, passengers others, barring any policy exclusions to the contrary yes, there is coverage, if you could be more specific I could be of more assistance.
If you pay for the insurance or damage waiver on the rental car when you were not at fault can you get reimbursed for that expense If so how?
Answer . Yes, I am going on the following assumptions to answer your question;. You rented a vehicle and took out the damage waiver, (did you have insurance on another vehicle? If so that changes a few things) had an accident in this rental vehicle that WAS NOT YOUR FAULT AT ALL .. You (or th…e rental company) could file with the 'at fault' party. Some rental car companies will chose to use their own carrier for speed, so they can get that vehicle back on the road. In that instance, (and apparently that is what happened) once the final payments have been made, their insurance company should file a subrogation claim against the at fault carrier, and recoup all money paid in the claim including the deductible you paid. And in turn will return that to you. If the other party is not insured there will still be a subrogation claim, but this generally takes a lot longer.. Let me caution you though, this is under the assumption that a) there was absolutely no negligence attributed to you b) the 'at fault' driver had insurance. c) no dispute between the carriers as to liablity.. You should be kept abreast of the investigation, and subrogation claim, if you have not been contact the insurance company that is handling the claim, if you do not have their information, call the rental car company and get it from them.. If you would like to provide me with additional details surrounding the facts of loss etc, perhaps I could be of greater assistance to you, and would gladly try.... Good luck !! (MORE)
Must you reimburse your insurance company for medical bills paid on your behalf when you get a settlement from the other insurance company even though youve been paying premiums to cover medical costs?
Answer . normaly yes, many people dont. you can wait it out, see if they ever catch on. if not go buy some shoes, if they do, which usually takes at least a year, get ready to return the shoes. eventually the insurance companies settle their explanation of benefits, and find out who owes what.
This question is far too broad to be answered directly. A variety of factors go into the cost of auto insurance, including, but not limited to: 1. What you deem to be "expensive or cheap"; 2. Where you are located; 3. The insurance company involved; 4. Your driving record and that of others to be i…nsured under the policy; 5. The make, model, and accessories of the vehicle to be insured; 6. The coverages that you purchase. For example, coverage for physical damage to the car alone will result in lower premiums than if the policy also provides for liability or other types of coverage; 7. The amount of the deductible selected. The deductible is the amount for which you are personally liable to pay before the insurance company's obligation to pay is triggered; 8. Whether the vehicle is used for personal or business purposes. (MORE)
That all depends on your age your driving record and the type of car you drive. If you are older than 25 with let's say a 1990 full sized dodge van paid off in full, with a 6 cylinder motor and you have the title to it in your name clean driving record no recent accidents in the past 5 years. You ca…n expect a cheap monthly insurance payment. But let's say your 21 years old, your making payments on a brand new corvette & you've been in an accident a year ago before you bought it. And the accident was your fault. The title of the car will not be under your name because you are still paying for it, plus you can expect a high monthly insurance payment since it's a sports car lot's of power etc. Not to mention it's on your record about the accident you had the year before. You will be considered a high risk on a new hot rod. So the insurance will definitly be high! (MORE)
This is a no brainer ... if the other driver has no insurance, how possibly could their non-existent insurance be responsible for medical? The only recourse here is to take the other driver to court and sue for damages. Chances are you will still get nothing - most likely if someone cannot afford au…to insurance, they certainly could not afford any out of pocket medical expenses. This is why most motorists have to carry under-insured and un-insured auto insurance on their policies ... for your own protection. (MORE)
all do. however, if you get to many accidents they can drop you. If you are looking to be insured, ask the insurer, they will tell what they will allow and what they don't.
They can only pay for the car damages, property damage other thanthe car, or personal injury. Property damage usually means damageto objects other than cars that were hit. Personal injury is yourmedical bills.
Your choice, depending on which coverage is better. Try the auto insurance first. but remember, their job is to minimize costs, and sometimes you have to go where they send you. they may have limits depending on the policy and state laws. your medical coverage is designed to cut costs by keeping you… alive and healthy to keep paying them. they don't make money off dead people or people too sick to work and keep coverage. they will usually end up paying for long term issues, especially if they don't pop up right away or if a pre existing conditioned is worsed. how much wor$e is the back pain, really? you should go through the auto insurance if its drastic, expensive, extensive care. if its minor aches and pain just pay your 10$ or $20 copay and go to your primary care physician (your doctor). if you get hurt in an accident, go to the closest hospital right away, don't delay or the ins co may try to loophole out of paying you, thinking scam alert. i once tapped a couple in their 50's when i was 16 and only driving for a few months. he slammed on his breaks after realizing he was about to miss his turn. at 20 miles in a 25 (it was 200 yards after a turn) i hit a pile of wet leaves next to a stone wall and skidded into them. i was sited no fault as i could not get off the road or go into opposing traffic (why they stopped). they were complaining about how hard i hit them and she was saying he already had a bad back and now this. the office on the scene asked them did they want him to call them an ambulance to take them to a hospital. She said right away no, they were going to their own doctor. after they left the cop told me they would be trouble. but they were denied due to lack of physical proof and officer testimony. so the moral is because some scam, they reason all are potential scammers until proven actually hurt. (MORE)
any and all insurance that you can afford you should probably buy. you can never tell what might happen.. any and all insurance that you can afford you should probably buy. you can never tell what might happen.
The answer depends upon whether the mechanic is self-employed, employed by a third-party, and other factors pertaining to their work situation. A self-employed mechanic is not, by virtue of the type of work, precluded from buying health insurance for him/herself if he/she is otherwise insurable and… can afford it. Likewise, if the mechanic works for someone else, the answer will depend upon whether the employer offers it as a benefit of employment. Additionally, depending upon the state in which the employer is located and often, the number of employees, he/she/it may be required to maintain workers compensation insurance. This provides health insurance-like coverage for employees who are injured or who become ill for reasons that are "within the course and scope of" their employment. (MORE)
Go with Allstate, Esurance, or State Farm. They are the top rated Auto insurances avalible in the US.
Any individual can have two different auto insurance companies ifthey have more than one vehicle. If you find that rates are lowerwith one company for one vehicle and lower for the other withanother company, you can carry two separate insurance policies.
If you have an auto accident and you do not have auto insurance with medical payments coverage for your injuries and medical costs, you may need to research the coverages available through your medical insurance policy. If you are not at fault for the accident that caused you injury, and the third …party insurance provider has taken responsibility for the accident, the at fault party's liability insurance should pay for medical injuries up to the limits on their policy. Because you do not have insurance, receiving a claim payout might require more work because you do not have an adjuster working for you. If you were at fault for the accident and you do not have auto insurance, you will need to speak with a representative from your medical insurance company to discuss the coverage provided under that policy. You may have a co-pay or a percentage you are responsible for depending on if you have an HMO or PPO. (MORE)
You pay as long as you would like to policy to cover you. Sometimes you can go monthly, but the policy will eventually cancel if they do not receive payment.
Can you sue a homeowners insurance if their auto insurance does not cover all of you medical pain and suffering?
You can sue anyone you want, But you would lose in this circumstance. You would also be required to cover all the legal expenses and attorney fees for the entity you sued after you lose the case. Homeowners Insurance does not cover auto accident claims, that's what auto insurance is for.
The 2 types of insurance serve different purposes, although in one respect, there is some overlap. At its most basic, health insurance is intended to pay to or on behalf of the insured sums of money for medical bills incurred because of sickness or injury. Auto insurance includes several diffe…rent coverages. The one most closely like health insurance is frequently referred to as "no fault coverage". It pays a percentage of the insured's medical expenses and lost wages if he/she was injured as a result of an auto collision. Benefits are paid irrespective of who caused the collision. Health insurance is not currently required by law. In contrast, anyone who wishes to register a vehicle is required to comply with the state's "financial responsibility law" which requires the registrant to have and to maintain certain types and amounts of auto insurance. (MORE)
What is the amount that an insured person must pay before reimbursement for medical expenses begins?
Your health insurance policy will specify DEDUCTIBLE amounts on the Declarations page (usually the first page) of the insurance policy. This is the amount that you must initially pay before the insurer is on the risk for any payment. Additionally, there are copayments, also specified in the policy, …for which you will be responsible. These recognize that the insurer is only responsible for a portion of covered expenses incurred. An example is that the insurer would pay 80% of the covered expanse, and the copayment would therefore be 20%, which would be the insured's responsibility. (MORE)
Possibly if they are auto accident related. Also, if you have Med Pay on your own insurance.. any other bills that may not cover on the at-fault drivers' insurance, can fall back on yours but your rate won't increase if you're found not at fault.
Who pays the medical bills if you are involved in an auto accident where the at fault party has insurance and i was a passenger in car that was hit?
Most states require auto owners to maintain "no-fault" coverage; it is sometimes referred to as "Personal Injury Protection". It is a first-party coverage, which means that one maintains it for their own benefit. No-fault coverage pays a percentage of the medical expenses and lost wages sustained b…y an injured part in an auto collision, and benefits are payable irrespective of fault. That is, your own coverage pays benefits even if you caused the collision. Depending upon the state in which the policy is issues, a deductible of some amount may be allowed. A deductible is the amount which the insured is responsible for paying before insurance benefits are triggered. A similar coverage, which pays over and above no-fault is called "medical payments" coverage. An additional premium is charged for this because it is an optional coverage. It also is a first-party coverage which pays irrespective of fault. (MORE)
Progressive Auto Insurance is by far the cheapest auto insurance I have personally found for myself. They give you exclusive savings and discounts for signing up online which can save you tons of money!
Geico auto insurance has customer service available 24/7 because it is a call center. They work with other insurance companies to help the client get a better, cheaper deal because the client is a Geico member. Geico is extensively advertised and has powerful brand power. Other companies may not be …available 24/7, give better rates, or be as well known. (MORE)
The best auto insurance company is state farm. but this is just my opinion. You may find that the best for you is all state. it is really just a matter or preference.
With my personal experiences the top companies are Geico, Progressive and Allstate. It also really depends on what plan you want to take as they all have different plans for Auto Insurence, but I would go with either Progressive or Allstate. It's really up to you in the end.
It is possible to bundle your health insurance with others such as your auto, home, and life insurance. It is not only convenient but you can also save money by bundling all of your insurance together.
1. Most states have a requirement that a registrant of an auto maintain "personal injury protection" (PIP) coverage (altho the name may be different). This is the essence of so-called no-fault auto insurance. Essentially, it pays a percentage of the insured's own medical bills and lost wages, up to …a maximum amount, arising from an auto collision. It pays those expenses irrespective of fault for the collision. 2. Most insurers also offer a Medical Payments coverage. This is often an optional coverage. It pays an additional amount toward medical expenses , and often coordinates with the PIP coverage. Therefore, if the PIP coverage pays 80% of the medical bills, up to the policy limits, the medical payments coverage will pay the remaining 20% up to its policy limits. 3. If medical expenses exceed #1 and #2, one's major medical insurance is triggered. The auto insurance is "primary" in the sense that its benefits have to be exhausted before major medical insurance is called upon to pay. This is because auto insurance is required by state "financial responsibility laws" and for the further reason that it and the major medical insurance contain "coordination of benefits" provisions making the auto insurance primary. 4. If medical expenses still exceed the total available auto insurance and major medical insurance (including, if there is no major medical insurance), the injured party/insured is personally responsible for unpaid amounts. In this situation, the health care provider frequently is willing to work out payment arrangements. Alternatively, the unpaid amounts may be discharged in bankruptcy, but this is a very drastic step and should be avoided if at all possible. (MORE)
AAA is an insurance AGENCY. Not an Insurance Company. The AAA insurance company is now owned by a Spainish Insurance Company named MAPFRE.
Geico does offer auto insurance through their website and information on how to contact them with questions.
It depends. There are many conditions that weigh in the cost of one's auto insurance. A person's age, location, gender, car type, and whether or not you are a good driver.
In the United States, Any person who operates a motor vehicle on public roads must carry proof of Financial Responsibility at all times.
"Yes. Antique auto insurance can be rather expensive. It also comes with a lot of stipulations, As in keeping the car in a locked and closed garage when not in use, you have to be of at least 26 years of age, a good driving record with no more than one fault within the last three years. And the car …cannot be a means of everyday transportation." (MORE)
Costs vary for insurance for your home and auto depending on a number of factors. For auto insurance, the value of your vehicle, length of time driving, and credit record are important factors. For home insurance, the value of your home and your credit rating will determine insurance costs.
Comparing one insurance company to another can be a matter of personal preference or subjective opinions. I will give you my opinion and you can take it for what it is worth. I do not like GEICO Auto Insurance Company. They have extremely high employee turnover because of the high pressure sales tec…hniques they use. Sales employees are not truly licensed agents in most cases like other experienced agents are. They are timed and allowed so many seconds to close a sale or get off the phone. I have many employees insured with my agency because they do not want to have to deal with the claims department of the company they work for. This all tells me something about the company. You also don't have a personal representative or agent and will never talk to the same person twice. (MORE)
Companies who offers car fleets to their employees should highly consider getting auto insurance. This means that if anything were to happen to an employees car, the cost would not put strain on the company.
The following companies offer auto insurance: AAA, 21st Century Insurance, Nationwide, Progressive, State Farm, Allstate, Esurance, and Liberty Mutual.
Auto insurance companies are controlled by a board of directors if they are a corporation which most of them are. They would also have a president or chief financial officer and other officers needed for their operation. If this is not what you mean perhaps you are asking about regulation which woul…d be separate in each state of the United States. Each State will have a regulatory agency that regulate auto insurance companies such as a State Department of Insurance. (MORE)
Insurance companies are controlled by corporate officers and a board of directors just like any other company. If they are a mutual company they are still controlled by company officers. Insurance companies are regulated in each state by the Insurance Commissioner and the Commissioners Office. Depen…ding on what state you live in the title of the regulatory agency may be different but all states have a agency that audits insurance companies. Companies can get in just as much trouble for over paying claims as the can for not paying claims that they should have paid. (MORE)