Paying back Insurance Co.

[Jontue]

I just read a "reply" on another question and I believe you said "Don't pay back the Insurance Co"?? Correct me if I'm wrong!
My daughter was rear-ended and had medical treatment for approx. 7 months during this time our car insurance carrier has paid all of her bills. But, we have also recieved a few letters from the Insurance Co. telling us they expect full reimbursment when we settle. I believe I signed an agreement to this also. Is this Not common practice? I do think this way: They paid (wasn't their fault) When other party pays shouldn't our Insurance get back what they put in to help us through???

 

[I AM ALWAYS LIABLE]

<BLOCKQUOTE><font size="1" face="Arial, Helvetica, Verdana">quote:</font><HR>Originally posted by Jontue:
I just read a "reply" on another question and I believe you said "Don't pay back the Insurance Co"?? Correct me if I'm wrong!
My daughter was rear-ended and had medical treatment for approx. 7 months during this time our car insurance carrier has paid all of her bills. But, we have also recieved a few letters from the Insurance Co. telling us they expect full reimbursment when we settle. I believe I signed an agreement to this also. Is this Not common practice? I do think this way: They paid (wasn't their fault) When other party pays shouldn't our Insurance get back what they put in to help us through???<HR></BLOCKQUOTE>

My response:

Hi Jontue:

How are you and your daughter doing?

Anyway, could you direct me to the post you are referring to and the responding person?

IAAL




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By reading the “Response” to your question or comment, you agree that: The opinions expressed herein by "I AM ALWAYS LIABLE" are designed to provide educational information only and are not intended to, nor do they, offer legal advice. Opinions expressed to you in this site are not intended to, nor does it, create an attorney-client relationship, nor does it constitute legal advice to any person reviewing such information. No electronic communication with "I AM ALWAYS LIABLE," on its own, will generate an attorney-client relationship, nor will it be considered an attorney-client privileged communication. You further agree that you will obtain your own attorney's advice and counsel for your questions responded to herein by "I AM ALWAYS LIABLE."

 

[Jontue]

It was a reply from "Lars" on the slip and fall in the department store. Maybe I just read it wrong also. More of a curious question than anything else.
As far as how we doin'? Great! Fun filled weekend with Mother's Day (surprise dinner) and she got to go to "this dance" Her senior prom without having to wear a neck brace..

 

[I AM ALWAYS LIABLE]

<BLOCKQUOTE><font size="1" face="Arial, Helvetica, Verdana">quote:</font><HR>Originally posted by Jontue:
It was a reply from "Lars" on the slip and fall in the department store. Maybe I just read it wrong also. More of a curious question than anything else.
As far as how we doin'? Great! Fun filled weekend with Mother's Day (surprise dinner) and she got to go to "this dance" Her senior prom without having to wear a neck brace..<HR></BLOCKQUOTE>


My response:

Yeah, Lars just wanted her to check her health insurance policy to determine whether or not there was a "reimburseable medicals" clause, that's all.

Nice to hear you had a terrific Mother's Day! Now, that's what I like to hear !! I'm absolutely sure your daughter will have a wonderful time. Ah, yes. I remember mine so vividly. We had ours in the middle of an animal preserve, with wild animals all around us (not the other guys, mind you) and beautiful, candle lit, gazebos. Also, there was a huge, man-made lake in the center, and they put a gigantic piece of clear plexiglass in it, so we all danced "on the lake." You couldn't see the plexiglass, and all you could see was the lights and the fish swimming underneath. It seems like a lifetime ago, and was at a time when a lot of us were being drafted for that "nasty little war." We had a blast, though, and I know your daughter will too !!

Let us know when you want to discuss her case again.

Respectfully yours,

IAAL

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By reading the “Response” to your question or comment, you agree that: The opinions expressed herein by "I AM ALWAYS LIABLE" are designed to provide educational information only and are not intended to, nor do they, offer legal advice. Opinions expressed to you in this site are not intended to, nor does it, create an attorney-client relationship, nor does it constitute legal advice to any person reviewing such information. No electronic communication with "I AM ALWAYS LIABLE," on its own, will generate an attorney-client relationship, nor will it be considered an attorney-client privileged communication. You further agree that you will obtain your own attorney's advice and counsel for your questions responded to herein by "I AM ALWAYS LIABLE."

 

[Jontue]

That sounds like the most "beautiful-est" prom I have EVER heard of. Walking on water, huh? Sounds absolutely dream like. Can't wait to let my daughter read this one. Her's is now over and she had a wonderful time (no neck brace, Dancing to her hearts desire). But it was in a Hotel and not even enough room for the entire senior class. Boy, how times have changed. Come to think of it maybe I shouldn't let her read about yours (ha,ha,j/k).
Back to the answer. So in other words I do have it right, since it was NOT our Insurance's fault, they are due a full reimbursment correct?
Next question. If I was to give you more details about her accident (injuries, lost wages and activities, pain and suffering, scared and mad thoughts ect, ect). Could you, would you, give me a ballpark figure of where we should be heading with this or will you tell me to go read "Haley3 please????" or the "ballpark figure"?? If so that's okay 'cuz i've already read them a few times.
Thanks again. For EVERYTHING!!!

 

[I AM ALWAYS LIABLE]

<BLOCKQUOTE><font size="1" face="Arial, Helvetica, Verdana">quote:</font><HR>Originally posted by Jontue:
That sounds like the most "beautiful-est" prom I have EVER heard of. Walking on water, huh? Sounds absolutely dream like. Can't wait to let my daughter read this one. Her's is now over and she had a wonderful time (no neck brace, Dancing to her hearts desire). But it was in a Hotel and not even enough room for the entire senior class. Boy, how times have changed. Come to think of it maybe I shouldn't let her read about yours (ha,ha,j/k).
Back to the answer. So in other words I do have it right, since it was NOT our Insurance's fault, they are due a full reimbursment correct?
Next question. If I was to give you more details about her accident (injuries, lost wages and activities, pain and suffering, scared and mad thoughts ect, ect). Could you, would you, give me a ballpark figure of where we should be heading with this or will you tell me to go read "Haley3 please????" or the "ballpark figure"?? If so that's okay 'cuz i've already read them a few times.
Thanks again. For EVERYTHING!!!<HR></BLOCKQUOTE>

My response:

Hello. Yes, if it was your own insurance company covering your meds, and there is a reimburseable clause in the contract, then you must pay the insurance company back - - however, since a settlement is a "common fund" from which your daughter and the insurance company gets paid, you are entitled to a discount of 33 1/3 percent, which would be the amount you are entitled to for having "collected" the insurance company's money and refunding the same. So, for example, if the meds were $3,000.00, and your settlement included that amount, you'd only have to reimburse the insurance $2,000.00. But, you've got to let your insurance company know that is what you will be doing.

Now, insofar as settling the claim, you need to know how to write an effective "settlement demand letter." When you're ready for that, I post an example for you and instructions for you to follow. Are you okay enough to want to get into the "claim thing"? It's not easy, and it's really going to require a lot of detailed thinking; so, when you think you're ready, I'll be right here for you.

Yeah, go ahead and show her my post. She'll plotz when she reads about my Prom Night. The hotel "thing" has been "done to death." How many Proms have you heard of that were in the middle of a Wild Animal Park, with Giraffes, Rhinos, and Lions, all around? With a lake, no less? What a night !!

IAAL


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By reading the “Response” to your question or comment, you agree that: The opinions expressed herein by "I AM ALWAYS LIABLE" are designed to provide educational information only and are not intended to, nor do they, offer legal advice. Opinions expressed to you in this site are not intended to, nor does it, create an attorney-client relationship, nor does it constitute legal advice to any person reviewing such information. No electronic communication with "I AM ALWAYS LIABLE," on its own, will generate an attorney-client relationship, nor will it be considered an attorney-client privileged communication. You further agree that you will obtain your own attorney's advice and counsel for your questions responded to herein by "I AM ALWAYS LIABLE."