 Five years ago I dropped a term life policy in favor of a universal life policy.Questions then, still have!? |
| At the fifth year the cash value will be just a little more than I have paid in. I bought this policy at the suggestion of my financial adviso. I am retired and do not need this much insurance. My ... |
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 Where can I find the best family health insurance coverage for the right price? |
| I am working for a small landscaping company that does not offer insurance. I am married with two kids, both under 2 yrs of age, and my wife has a pre-existing condition of asthma. Can someone help ... |
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 Can I be under my mom's insurance if? |
| I am 21 and over? I would like to get an 06 coupe civic under my mom's name because I dont have enough credit history to qualify for a low rate, so since it is under her name can I be an ... |
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 Continuing insurance after being fired from a job??? |
| I was told that I could continue my insurance from a program called cobra, this is true but I was wondering if it has a time frame or is it mine to keep as long as I continue to pay on it???... |
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 I have life insurance for 50,000 dollars that my employer gave me for free, is this a good amount? |
| Ok so I was called to the HR guys office to day, and I was given the option to receive dental, health and life insurance. The life insurance was free, and they said that when i die, 50,000 goes to ... |
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 I am pregnant and have no insurance(California), can i be on my husbands? |
I am 4 months pregnant and am not covered by my employer, however my husband has new insurance through his new job, can i be covered by his group plan even though i have no coverage currently?
A... |
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 Home Owners Insurance......Guys I need help...I tried calling my auto insurance company to get an estimate as ? |
| to how much I might be looking at spending annually on a $380,000 property, but they said that they could not give me a idea because a lot of things have to be taken into consideration,,,so this is ... |
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 How do insurance companies deal with massive claims after something like the Newcastle storm disaster? |
| Will they be able to pay everyone at once? Do they even have enough money to give all the affected people?... |
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 Can my company enforce a new policy at work that affects my personal life? |
| I am the friend responding to his question. I do have my nails done professionally every two weeks. I am gloved and have very little skin contact with donors. This is a new policy my company is ... |
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 How come insurance is almost double for 2 cars.? |
I can't drive 2 cars at once, only one at a time. Therefore, the odds of causing an accident are the same as if I had one car.
Why don't insurance actuaries know this?
A... |
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 I want to sell Life Insurance to a friend...but i am almost positive he has smoked pot within the last month.. |
| I know that for the life insurance, he will have to have a paramed come to his house/work and check him over real quick, and they almost always do a urine test depending on the amount of insurance he ... |
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 Help.. Insurance won't consider my car a total loss...? |
| My current insurance company is allstate. I have a 2005 TL with significant damages. The repair estimate came out to be $18,000. The value of the car is about $30,000. The front frame rails must ... |
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 What should someone do with a dead body? |
| Let's just say, hypothetically, I know someone that might have a dead body he or she needs to dispose of. What should they do?... |
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 Home owner insurance question.? |
I had a lot of trees down on my fence during hurricane Ike and I found out my insurance company (American National) doesn't cover fences,but during Rita they did.
My policy doesn't ... |
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 What health insurance company do you like ? |
| I want a ppo and am looking for a good ... |
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Mandy | My health ins. paid for surgery after I was in a car accident. Will they want to be reimbursed when I settle? |
My health insurance has forked out approximately $50,000 in the last few years. I'm just wondering if they can come after anything I get in a settlement. Need Help!!! |
 |
 
hollywood71@verizon.net
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your insurance that covered it was from your auto policy. unless they don't file which they rarely don't. during the suit, they must contact the company to know the total costs and they apply a lien on the settlement through the attorney which will come out of the proceeds. but the settlements are based on your attorneys fees, medical costs and what you want out of it. if you settle or are awarded money, it comes out of it, but you will get a good amount of it. |
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RainCloud
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you really contact your insurance company as most of them want the money back |
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Mama Pastafarian
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Most insurance policies have a subrogration clause in them, which means if you get money for the medical costs from anywhere else, you have to repay them. You need to make sure that your settlement is more than enough to pay the medical costs back, as well as all your out-of-pocket costs, and also $$ for pain and suffering. Don't forget that your attorney will take between 30-40% of the settlement for his fees. |
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dds27us
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Most insurance policies are a pay and pursue. They pay the claims and question if there is 3rd party liability or a lawsuit. Yes they will request money back. After any settlement, your Lawyer or the other Lawyer involved may call the Reimbursement Segregation area of your insurance company and tell them of the settlement. They may pay as secondary to what is not paid however, proof of this would be needed. |
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C R
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The theory behind insurance claims is "indemnification," or putting a person back the way they were before an accident. If your health insurance carrier paid for your medical bills and the settling company does the same, you would be unfairly enriched, which goes against that principle.
The health insurance company, in most states and under most policies, retains the right of "Subrogation," which allows them to collect any money they have paid out on your behalf from any responsible party. Those rights, as well as your policy provisions, also require you to protect them in any settlement.
Insurance companies have subrogation departments to go after people to collect their money. If you get the money they were supposed to have, they will come after you.
There are some rare instances where policies allow you to collect twice and do not retain subrogation rights. |
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leeemareee
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Generally, your health insurance will not pay on a claim resulting from an auto accident unless your motor vehicle insurance has exhausted. However, sometimes things slip through the cracks and the health insurance will pay.
Normally, once they find out that your surgery was a direct result of an accident (( not sure how they find out but they always do! )) they will retract their payment and then the place you had the surgery will start billing your car insurance.
With an car accident, your car insurance is primarily responsible for payment and your medical insurance is the secondary. But sometimes your car insurance benefits may be exhausted by the time your hospital bill comes through and then your medical insurance will pay as long as they have a copy of the exhuastion letter.
In my experience, the facility will not come after you directly unless 1) the car insurance refuses to pay or 2) the medical insurance refused to pay.
As the patient, you are the last resort for payment. Just make sure that everything gets paid by the insurances and you'll be fine. |
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mbrcatz
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They can get reimbursement from any medical payments you receive, but not from pain & suffering, lost wages, services you have to hire because you can't perform them, or modifications you need to make to your house (for permanent disability). |
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