What is the name of your state (only U.S. law)? WI
I had posted about my accident when it first happened, as I had some questions. The other driver rear-ended me (I was stopped at a red light) during a snow storm in late March of this year. No police at the scene (it was on the freeway, and he WAS an off-duty PO). I filed a self-report with the State afterwards (as it was too late to file a police report). I had almost immediate neck and upper back pain and went to the ER later that morning (did not continue to work that day). He and his insurance co. admitted his 100% liability, and insurance has been following up with me pretty much monthly to "see how I'm doing." I've been treating with my chiropracter, and finished about 6 weeks ago. Other insurance is aware that I had a prior accident in 10/06 (also rear-ended at that time by a drunk driver--same type injury, soft tissue/whiplash). But I was DONE treating about a year before my most recent accident.
I have about $4000 in med bills (including ER, ER dr. and chiro treatments). Other's insurance is still gathering med bills, but we're nearing them offering me a settlement (per them--I'm patiently waiting). My question is this (because last time I had a lawyer, and this time, so far, I do not): Other insurance DOES need to pay all of my med bills at the very least, correct? My husband's health insurance covered all the chiro bills, and our auto insurance covered the ER and ER dr. Both are subrogated (meaning I need to pay them back). I want to be sure that they don't try to offer less than full med bills ($4000) because the health insurance (obviously) paid less because alot of the chiro bills were "provider discounts/written off." The ER and ER dr. were paid at 100% (by our auto insurance med pay), so that's not up for debate ... the other insurance will have to pay them back (or I will from the settlement).
Don't know about the P&S amount here ... I can deal with that on my own ... just wanting to ask about what the other insured's liability is on paying back ALL of the medical bills (meaning $4000, not a lesser amount based on health insurance provider discounts).
By the way, it's a big name insurance co. here (didn't know if I should mention it). No policy limits or anything like that to deal with--it's not that large of an accident.
Thanks for any replies!