Why is my health insurance trying to get reimbursed after my auto insurance claim was settled?

I was rear-ended in Illinois by an uninsured driver. I went to the hospital and my health insurance paid the bill, but now they are trying to get me to reimburse them. My car insurance company already settled the claim. What can I do now?

Answer
“When injuries are related to an accident, your car insurance would usually be the primary coverage and your health insurance would be the secondary coverage once your auto insurance limits are exhausted.
If your health insurance had already paid for the medical bills related to a car accident prior to the auto insurance limits being exhausted, they would seek recovery or reimbursement of what they paid.
If they tried to recover the money from the auto insurance, but the auto insurance has already settled the claim with you, then the health insurance might try to recover the money from you.
You will need to contact the car insurance and health insurance companies to sort everything out, or if your claim was handled by an attorney, you should contact them. “
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Shannon Martin
Answered on May 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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