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I was involved in a mva where the other party was at fault. I have incurred close to $5,000 in medical bills that my private health insurer has paid. At the time of the settlement, does the auto insurance company have to include payment to cover these bills? They are telling me they will put aside monies to pay my health insurance carrier back if need be but that they don't solicit to my health insurance carrier that they will repay them. Am I entitled payment for the medical bills? They are only offering me $1600 for pain/suffering and $800 for out of pocket expenses I have paid.
State/Country relating to Question: Ohio Already Tried: Researching via the internet
You are liable to reimburse your health care insurer under the theory of subrogation. You need to notify your health care insurer that there was a third party at fault in the accident and that the insurer is looking to settle the claim as it is your duty to inform them of this. Your insurer is entitled to reimbursement for all medical care paid as a result of this accident, but you are not entitled to that money, it goes directly to your insurer. As far as your pain and suffering, $1600 seems a bit low given the amount of medicals and it should be somewhere in the neighborhood of at least $2500 with minor injuries (insurers use a computer program that essentially categorizes the seriousness of the injury and multiplies medicals by a factor of anywhere from 0.5 to 2 times depending on the severity of the injury).
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