My wife and I were in a minor fender bender back in April. While in stop and go traffic, the driver behind us bumped us at very low speed. The other driver admitted fault and gave us her insurance information. My wife was 8 months pregnant at the time and her doctor advised us to go to the hospital to be examined. She started having early contractions and we stayed overnight for observation. In the end, all was well. There was no damage to the car and the baby was fine even though we stayed at the hospital overnight.
I filed a claim against the insurance company and they admit fault. They paid us $2100 for damages and lost wages. I can’t find any more information from the pay out because we figured it was all settled.
4 months later, my wife’s health insurance company sends a subrogation letter saying that we need to pay them back $2900 for the hospital fees.
Any advice on how to proceed?
Posted by empjack
5 Comments
Send it to the other guy’s insurance company. Unless you signed a release, and unless it was specifically a bodily injury release, you should be good.
I’ve been in a similar situation before. First, check your auto insurance policy to see if they’ll handle subrogation on your behalf. If not, reach out to the at-fault driver’s insurance and explain the situation. They might cover the additional costs since they’ve already admitted fault. It’s frustrating, but stay calm and work through it step by step. I found that being persistent and clear with the insurance companies helped resolve things quicker.
It sounds like a stressful situation. I’ve been there before, dealing with insurance can be tricky. Here’s what worked for me: First, review the subrogation letter carefully. Check if the amount matches your hospital bill. Contact your health insurance company to understand why they’re seeking more than what was paid out. Sometimes, there can be misunderstandings or errors. Also, reach out to the insurance company that handled the claim to discuss the situation. It might help to negotiate or clarify any discrepancies. It’s important to stay calm and keep detailed records of all communications.
I had something similar happen to me where an insurance company sent a subrogation letter unexpectedly. My advice is to contact your health insurance company directly to discuss the situation. Explain that the car insurance already paid for damages and lost wages. They might be able to provide more details or adjust the amount due. If needed, you could also seek advice from a legal professional who can help clarify your obligations.
If you are involved in a motor vehicle collision all medical costs are primarily the responsibility of the auto insurance not the heath insurance.
Some states it is your auto policy that pays first. Different states have different rules and terms for it. It could be Personal Injury Protection (PIP), Med Pay, or BI coverage.