This will not be over quickly. You will not enjoy this. I’m not your claim representative.
What state do you live in? That may or may not change some details of what is to follow.
Ok, here’s the general version. Apply it to your situation and you will better understand what’s up.
Car wreck. You’re injured and require medical treatment. Money for that comes from several places(in no particular order, because that’s WAY complicated):
1) Other Guy’s *bodily injury liability coverage *(which he’s required, by law, to have in order to drive a car)
2) your pocket
3) Medical Payments Coverage/Personal Injury Protection (MPC/PIP)(Something which may or may not be on YOUR car insurance policy.
4) Your personal health insurance
Stuff to know:
a) Because you were injured in a car accident, you are entitled to a bodily injury settlement. This settlement will include things like lost wages and the reasonable cost of necessary care to recover from injuries which are related to the accident.
b) For very good reasons I won’t go into here, a bodily injury settlement is a lump sum which is awarded one time. It does not (typically) pay bills as they are incurred. The bills are your responsibility and you can address them using options 2-4 above.
c) If you pay an expense for something that’s not your fault, you expect to be reimbursed. Your health insurance and MPC/PIP are no different. For them, this process is called subrogation. Subrogation is part of the contract YOU have with THEM. In exchange for receiving their protection, you agree (it’s in your insurance contract, you really should read it sometime) to allow them to recover their expenses.
d) Re-read item a). YOUR bodily injury settlement included the medical expenses your health insurance paid for.
You’ve probably figured out that I’m an injury adjuster. When I discuss a case with someone like you, and we come to a settlement agreement, I am obliged to acknowledge anyone who has come forward and said, “Hey, when you settle, I’m entitled to a chunk of that pie.” A health insurer who is bringing a subrogation demand, for example. If nobody has stepped forward, I can give it all to you. Doesn’t mean there are no subrogation interests out there (which you are contracturally obliged to honor), just means I don’t know of any. They SHOULD have put me on notice well before 9 months after the treatment, but it doesn’t always happen. So part of that bundle of cash I gave you actually belongs to someone else.
Now. If someone is demanding a chunk of your settlement from you, you have the right to know what they’re saying is related and what they paid. Get a SUBROGATION LEDGER from the medical insurance folks. This will give dates of treatment, providers, what was billed and what was paid.
You’ve probably got more questions now, but answer this: Have you settled a bodily injury claim with the other guy’s insurance yet?