Coinsurance Bills After a Car Accident – Who Pays?
Posted by rozeklawoffice on January 28, 2010 under General, Insurance, Questions and Answers | 
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Question: I was injured in an auto accident and I have been receiving bills from my health insurer for coinsurance due. I also have medical payment coverage with my auto accident carrier. Should I be paying these bills?
Answer: You want to make sure these bills get paid so they don’t negatively effect your credit. There are two ways to go about this:
- You submit them to your attorney and they submit them to your insurance company for payment under your medical payment coverage; or
- You can pay them directly and then provide your attorney with proof of payment (the coinsurance due and a copy of the posted check or bank card / credit card receipt), which your attorney then submits to the insurance company under your medical payment coverage and you are issued a reimbursement check from the insurance agent.
Option 2 is generally preferred because with that option you are not at the mercy of the insurance company med pay adjuster for payment. For example, if the insurance claims dept. is backed up, it could be weeks before the payment is issued, and in the meantime your bill could be sent to collections.
Obviously, many injured individuals do not have the luxury of having enough money on hand following an accident to pay their medical bills or coinsurance so they opt for Option 1.
More information on Wisconsin Auto Accidents.