Author Topic: Medical insurance says car insurance should pay???  (Read 1023 times)

Taran Wanderer

  • Pencil Stache
  • ****
  • Posts: 569
Medical insurance says car insurance should pay???
« on: May 31, 2015, 03:48:43 PM »
A couple of months ago, we had a mishap and I closed the car door on my daughter's finger. It was very scary, but after the initial fright, it looked like everything was okay, and a quick trip to urgent care confirmed it. (Thank goodness little kids bend!).

All seemed fine on the insurance front - pay the $35 copay--> end of story.  But no!  I got a letter from the medical insurer stating they believe this should be covered by our auto insurance policy.  How can this make sense?  Has anyone else had this happen?  How did it turn out?

With our high deductible on the auto insurance policy, we will get no coverage, so if I can't get medical to pay, I guess I'm paying out of pocket for the urgent care visit. Not a financial hardship for us, but thank goodness for urgent care and not the high cost of an ER visit!

MDM

  • Walrus Stache
  • *******
  • Posts: 9688
Re: Medical insurance says car insurance should pay???
« Reply #1 on: May 31, 2015, 05:33:24 PM »
The issue which insurance carrier pays what for medical bills related to automobile operation varies (at least, it used to) by state.  You would have to check your state laws.

Tjat

  • Pencil Stache
  • ****
  • Posts: 562
Re: Medical insurance says car insurance should pay???
« Reply #2 on: May 31, 2015, 06:28:28 PM »
Good news and bad, but please check with your auto insurer. Bad news - The medical insurance company is correct.

Good news - this should be covered under your vehicle's MedPay (or PIP, depending on the state). This coverage should not have a deductible (except perhaps a very small PIP deductible).

Good luck, glad your daughter's okay