Legal Question in Insurance Law in Missouri

Personal Health Ins vs. 3rd Party Liability Ins.

Is a Personal Group Health Ins. Pol. responsible to pay Hospital Charges when the full amount can be paid by a Third Party Liability Insurance?


Asked on 12/04/08, 2:36 pm

1 Answer from Attorneys
Spencer Farris The S.E. Farris Law Firm

Re: Personal Health Ins vs. 3rd Party Liability Ins.

The short answer is YES! You buy health insurance to cover a risk, and they have to pay if that risk- your need for medical coverage- comes to pass. The 3rd party is liable to you for the cost of medical bills as well as for your personal disfigurement and disability. If you have paid for additional coverage, you are entitled to collect from both your personal insurer and the 3rd party. It is not cheating, anymore than it would be to collect for multiple life insurance policies when someone dies. They took premiums, and must pay if the risk comes to pass.

Some plans are entitled to a portion of the payments back if you collect from the 3rd party, but you should have an experienced attorney look into this for you before you pay anything.

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Answered on 12/09/08, 4:27 pm


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