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Q

I have an insurance policy with excess medical payments. Do I need to reimburse the insurance company for the medical payments?


A

I believe your question to be, do you have to reimburse the auto insurance company for medical payments? Insurance companies vary on their guidelines but medical insurance on auto insurance policies usually only pays in excess of what your personal or primary medical insurance does not pay.

If your primary medical insurance paid and you were also reimbursed by your auto insurance company for the same medical bill you might owe them money back. But if the auto insurance medical coverage did what it is intended to do, pay the excess that your primary medical insurance did not cover, you should be okay. If you need information concerning your specific policy contact your insurance agent.

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2 Responses to "I have an insurance policy with excess medical payments. Do I need to reimburse the insurance company for the medical payments?"
  1. Anonymous

    Obviously the insureds obligations in this type of claim will be clearly stated in the initial policy contract but the answer excludes a common application of the benefit; specifically that reimbursement may be required if the claimant collects first dollar benefits from any other source. For instance, from a 3rd party insurance co or from an individual suit settlement. This is not that uncommon and can be a shock if a settlement has been agreed upon without including that refund amount.

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  2. Anonymous

    This is what I was looking for, Our health insurance did not pay for any of our insurance bill but our medical was paid by our insurance company not the party who was at fault except under the bi liability

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