Sup! asked:
A guy backed into my car. It was parked to sell it. So no insurance policy on it. My BF and I were sitting in the car out of the rain writting out a new for sale sign.
My BF and I were injured. The medical people are refusing to bill the insurance company responsible. They wanted me to pay up front and get rembursed later or have some other insurance cover it. I used my work health insurance, but I will have to go after the Car insurance company to pay the bill. How do I do that?
get a lawyer
submit copies never let go of the originals if they refuse contact a lawyer.
If the driver of the vehicle that hit your car has liability insurance, his liability insurance carrier does not pay your medical bills.
Use your own insurance to pay medical bills. Find out what are your injuries, then notify the liability insurance carrier of your intent to make a bodily injury claim. A BI claim consists of the sum of medical expenses, lost wages, any other out of pocket expenses, an allowance for pain and suffering, and an allowance for permanency (if there is any). You and the liability carrier agree on a total figure. You sign a release. The liability carrier sends a check to you for the amount of your claim. Your BF does the same.
In most states, you can make a claim for the damage to your car separate from your BI claim.
In California, you only have one year to file suit.
Ok- certain states have different rules for medical bills.
For example:
1. Some states your own insurance is primary for injuries.
But the BIG reason they are not paying is BY LAW.. the at fault parties insurance does not just pay bill by bill.. what they do is when you are ready they “settle” with you.. that basically means you sign a piece of paper saying you will not longer request money from them and at that point they give you a check. Before you are ready to sign that paper they cannot give you any money. Theres absolutely positively no getting around it.
And how did you plan to let people test drive the vehicle with no insurance? You do know that insurance goes with the vehicle, not the driver, right? Sorry, the hospital didn’t treat the other person’s insurance company, so why should they bill them? Gather up the bills and the cost of fixing your car, and present them to his insurance company. If they deny responsibility, perhaps your insurance can help…oh, that’s right, you don’t have any, do you? Where was it parked? Unless it was on your property, not on a public street, it has to be insured. Too late for this one of course, but you’ve learned something for next time.
Sorry, but the insurance company has no contractual obligation to you, as such, they won’t pay your bills, i.e. set up a direct bill. Their only contractual obligation is to their insured. This is called 3rd party….no doctors office bills 3rd party, they only bill 1st party, i.e. your heatlh insurance in this case.
All the insurance company is required to do is compensate you for injuries sustained as a result of this accident. They do so after you have completed treating….how you pay the bills is not their concern. They review the records & bills and offer you a lump sum settlement. If you have bills to pay, you pay them out of this settlement, whatever is left over is yours to keep. If your health insurance places a lien on the settlement, you still have to pay your health insurance back.