“This would not affect her deductible through her personal (employer group) health insurance; she would still pay that.”
That’s interesting. I don’t know all the numbers, so I’ll use hypotheticals. If the total of all medical bills is $50k, my daughter is liable for the deductible no matter what? So, in hindsight, I should have not turned the claim into the auto insurance? Turning the claim into the auto insurance affected our rates. If they pay $10k less, we pay less in premiums. As far as her health insurance, they don’t care if they pay $48k or $38k as long as my daughter pays $2k?
All very odd to me.
Yes, payments have been made. The way bills from a hospital are handled, it’s pretty overwhelming. There’s the hospital, then the professional fees from this guy, and that gal and supplies from here and there. It’s like taking your car in and getting a bill from the shop, then one from Toyota, then one from the spark plug company, then one from the wire manufacturer, etc.
The health insurance would see in the medical records that it was from an accident, and they would insist that a claim be filed with the auto carrier. I don’t think you can get around having the auto insurance involved. Yes, she is liable for the deductible, regardless. My son was in a very serious auto accident in late 2005, and I was still dealing with the bills (he was in the Marine Corps, and the bills came to our house, not his base) for about 15 months after the fact. The applicable car insurance paid first, $5,000, and then the rest of the bills went to Tricare, something along the line of $90,000.