Legal Question in Insurance Law in Nevada
I was in a car accident and filed an underinsured claim with my insurance company and they sent 2,983 dollar check to the hospital for my bills and my bills had already been paid by my amerigroup and now they won't release the money to me even though my insurance said to give me the money. What can I do?
1 Answer from Attorneys
It is not clear just what happened to you. I think you may mean you filed a claim with your own auto insurance for medical bills, and those bills were paid out of your medical payments coverage, rather than underinsured coverage. If the same bills were also already paid by your health insurance carrier (Amerigroup?), then the hospital certainly is not entitled to double payment. It may well be that what your auto policy actually paid was a reimbursement to Amerigroup from your med-pay coverage and both insurance companies are happy now. If, indeed, you had med-pay, that is terrific insurance to have in Nevada. It pays for any medical expenses relating to an accident - regardless of fault - and your insurance company has no right to demand reimbursement of that payment from you or another source.
You might check with your auto insurance company and see if all the bills were paid by it. From your telling of the story, it sounds like you have not gotten anything for this accident and perhaps you need legal counsel to find if there is some value to you from the other driver's coverage or from your own policy.
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