What is the name of your state (only U.S. law)? Pennsylvania a no fault state. I was a passenger in an auto accident. The driver was at fault. I am 20 yrs old (college student) and am covered under my parents auto policy. I was transported to the ER via ambulance but later released the same day - no major injuries. 1st Problem: My parents chose limited tort. 2nd Problem: My parents health insurance policy won't pay. Result: My parents auto policy paid $5000, my parent's medical policy which is next in line denies 2nd/3rd party coverage, and so I am stuck with $20,000 dollar ER/Trauma unit bill because of my parent's limited tort auto policy. The driver's auto insurance is not responsible because of the limited tort.
Question: Anything I can do? Claim hardship? The hospital already stated they are "non negiotable" - my parents don't have the money and I definately don't.... We are going to try anyway to get the hospital to write it off.