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Q

I had accident with an uninsured motorist. I was asked by my adjuster for my out of pocket expenses on my medical payments. Would I be able to be reimbursed for the medical payments that were made by my primary insurance company as I pay the insurance premium?


A

Uninsured Motorist Bodily Injury (UMBI) coverage is an option available under all automobile insurance policies. If the insured elects to purchase this coverage, the insurance company provides coverage to the insured for his or her claims for injuries and damages arising from a motor vehicle accident where the party at fault is uninsured.

It would appear that you have made an Uninsured Motorist Bodily Injury claim with your insurer and they are asking for the medical expenses that were not covered by your medical insurance provider to cover those. Your UMBI coverage would not reimburse you for medical expenses covered by your primary medical insurance and if they did that money would then be owed back to your health insurer who really paid those bills. You cannot be reimbursed for your medical insurance premiums by your car insurance coverages however, it is possible that you could be reimbursed if you had a deductible or coinsurance payment that you had to pay for your medical insurance to pay for the medical bills related to the injuries you sustained in the accident with the uninsured driver.


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