Reader’s Question:

I have an auto insurance policy with medical payments. Do I have to reimburse the insurance provider for the medical payments?

Harry

Gulfport, MS

I think your question to be, do you have to reimburse the car insurance carrier for medical payments? Insurance carriers differ on their guidelines but medical insurance on car insurance policies usually only pays in excess of what your primary or personal medical insurance does not pay.

If your primary medical insurance paid and you were also reimbursed by your car insurance carrier for the same medical bill you might owe them money back. However if the car insurance medical coverage did what it is intended to do, pay the excess that your personal medical insurance did not cover, you should be fine. If you need information regarding your specific car insurance policy contact your insurance broker or agent.