I was involved in an auto incident last year in where I was struck by a motorist in CA without auto insurance. I received my policy check from my own auto insurance from my uninsured motorist coverage. I had to have surgery as a result of the accident and my personal health insurance paid for it at that time.

My understanding is now I have to repay my personal health insurance. Can the amount of the repayment be negotiated down? Will this affect my credit score?

How do I know if I was "made whole" based on the amount of my policy?
Can I ask for a waiver of repayment, because it's possible that I will need the money for future treatment?

Thanks
SFMD

Hello, if your auto insurance paid you for your medical bills, and you also received money from your health insurance company you owe the health insurance company evey penny they paid, and not they will not accept less, this is not like a medical debt, it is where you where paid for a bill they paid. ( normally they would not have even paid if they knew the other insurance was going to pay) And yes you owe the insurance company back,

The money you owe them has nothing to do with being made whole. The is the money settlement from the insurance company, you should not accept their settlement if you don't believe it is enough to equal your needed medical bills in the future.

But if you already settled with your insurance company then you agreed you were well and settled the claim.

You can be sued, even possible criminal charges if you don't take the car insurance money and repay the health insurance company. You can't keep money from both for the same bill.

The issue about being made whole is another issue between you and the car insurance people.

Just wanted to clear this up for anyone who cares...

What happened after the dust settled: I settled my own uninsured motorist coverage case.

The uninsured motorist coverage I received from my own auto insurance company was considered a "3rd party recovery"and so my health insurance company was not entitled to it.

I received no $$$ from the party that hit me and it was determined that the individual was uninsured.
My auto insurance then paid me my uninsured motorist coverage after I provided all the necessary documents to support the claim.
expenses due to accident
Pain and Suffering
lost wages
DMV statement = proof of no insurance


In regards to paying back the Dr. bills, in CA my insurance provider is only entitled to 1st party recovery and therefore did not attempt to recovery any funds from me. My auto insurance then began the process of recovering the money they paid me from the party that hit me by investigating his assets (property, employer etc.)

Books I recommend for handling a personal injury are:
"How to settle your own personal injury case" by Martin Zevin and "How to Win your personal injury claim" by Joseph L. Mathews
I also recommend talking to lawyers for a free consultation.