Personal Injury Law
Personal Injury Law Questions? Ask Personal Injury Lawyers.
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Unfortunately, yes, health insurance companies are generally entitled to reimbursement for what they paid for accident related medical treatment. The terms of your health insurance policy almost certainly require this, as the language is standard, though you can ask your health insurance company for the contractual language they are relying upon just to be sure. The good news is that even though the benefits must be repaid, health insurance companies are usually willing to accept a reduced amount as payment in full. It is standard for them to take 1/3 off the total amount they paid, and an even greater amount might be negotiated if you can explain why the accident did not fully compensate you for your injuries.
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GAP insurance usually refers to insurance which covers the gap between what is owed on a car and what the car is worth at the time it is totaled. In otherwords, if you owed $20,000 on a car and it was only worth $19,000 at the time you got in the accident, GAP insurance would cover the $1,000 difference. GAP insurance does not have any relationship to medical bills, though, unless you are talking about some other form of GAP insurance I have never heard about. Can you clarify?