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Auto Insurance Claims/Which medical bills to use?
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Question
Could you please clarify for me what amounts the adjusters are allowed to us. My insurance from work covered most of my bills and they were allowed adjustments because of contracts. The adjuster is saying if an adjustment was allowed they have to use the discounted amount and not the actual charge. Is this correct or is the amount of the total medical bills figured without the adjustments? I need this answer as soon as possible please and I don't mean to rush you but they are trying to get me to settle with them.
Thanks so much,
Jeweline
Hi Jeweline,
That is correct. The auto insurance company will only use the actual amount paid, not the amount billed. So they will use the discounted amount of the medical bils. Remember, that you will have to reimburse your medical insurance company from the settlement that you receive.
I hope this helps
Richard Hixenbaugh
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Answers by Expert:
Richard Hixenbaugh
Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.
Experience
I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.
Organizations
Society of Certified Auto Appraisers
Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.
Past/Present Clients
My company has done work for consumers nationwide.
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