car accident/insurance question (health insurance, house, deductible)

[painehouse]

I recently was in a car accident in North Carolina. We found out our car was totaled. The accident was not our fault. We are settling with the other drivers insurance company for bodily injury. We are also going to submit it through our health insurance. In North Carolina the insurance company settles with you and pays directly to you not the health insurance. I was wondering if then the health insurance will request that we pay them back for what they paid? Our insurance is Blue Cross Blue Shield of MA.

[SouthernBelleInUtah]

If they find out, they certainly will ask for re-payment.

[painehouse]

Thanks for the reply! We are new here so it is all kind of confusing. The state we lived in prior was much more cut and dry. You just gave them your medical bills and they were paid.

[LLN]

You cannot be reimbursed for more than your damages. There is an insurance clearing house where pretty much everything is known and shared about people with insurance. A lot of folks do not realize this.

DO NOT GET CAUGHT IN AN AUDIT. That is really bad juju and can lead to cancellations. Play it straight and share info with all parties. You can get crosswise, easily, dealing with separate auto and health insurance. Almost certainly health insurance will ask, based on the diagnosis, were you in an accident. Tell the truth. WHen they find out yes, they will probably stop processing claims until you provide other insurance information and payments.

lln

[thestem]

You absolutely CAN be paid for more than your Out of Pocket Damages. On a bodily injury claim you can claim lost wages, loss of services, even loss of consortium. You have to be honest with adjuster though, so you will get from the auto insurance company you out of pockets (deductibles) and a little extra.

The adjusters are trained to evaluate the cases based on extent of damage, med bills, impacts, dmgs etc and then will make you an offer, you don't obviously sign a release or receive pymt until it's agreed upon by both parties.

[LLN]

Originally Posted by thestem

You absolutely CAN be paid for more than your Out of Pocket Damages.

I worded my response wrong, of course you are correct, what I meant to say, is that you cannot be paid twice for your damages. In other words if your total damages are 100K, you cannot get 100K from car insurance and 100K from health insurance. My bad.