Do I need to repay the medical payments coverage I used?

"The at-fault driver's insurance isn't covering all of my medical expenses. I used my medical payments coverage since I don't have health insurance.

Do I need to pay back my insurance now for what the at-fault driver's insurance didn't cover?"

Answer
“Normally, after using your medical payment coverage, your insurance will try to recover the costs from the at-fault party.
If the at-fault party doesn’t have enough bodily injury liability, they may use your underinsured motorist coverage.
When the insurance carrier covers your medical expenses, they do expect that the at-fault party’s insurance will cover what they paid out. If the at-fault party’s insurance does not cover the full amount of your bill, you won’t be required to pay back the difference. However, you will be required to pay for any additional expenses out of pocket.
The purpose of having insurance is to be protected in the event of an accident. In most cases, you won’t owe your insurance anything once they pay out a claim, especially when you’re not at fault. “
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Emily Maracle
Answered on May 18, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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