Who gets paid first when a claim is submitted?

by Richard
(Skiatook, OK)

I had a single vehicle accident that resulted in a broken leg and surgery. I have submitted all my co-pays and deductibles to the auto insurance claim's adjustor.

I was told that my health insurance provider submitted a claim also and that my auto insurance adjuster paid them.

I only had $5,000 medical coverage, therefore it all went to the health insurance provider. Since I pay premiums on both insurances, should my out of pocket medical expenses be paid before the health insurance provider is paid.

Answer:


Hello Richard,

Your health insurance provider has "subrogation" of rights against the auto insurance. They have a right to be paid first. You pay premium for medical coverage, and you got medical coverage. The reasoning is that you should not be double paid thereby making a profit.

Please see: http://www.auto-insurance-claim-advice.com/Subrogation-of-Rights.html

Good Luck,
Auto Insurance Claim Advice