[hopeucanhelp123]

I fell a few months back and have been receiving medical care, of which my medical insurance has been covering my bills. The fall happened at a family member's house, however I have no intent of sueing their homeowner's insurance for claims as it was my fault I fell and feel it is my medical insurance's responsibility to cover me. They are now asking me where and how the fell occurred. I am concerned that they will approach my family for payment as the fall occurred there. Can my medical insurance co sue my family's homeowner's ins co without my consent??

[Fr_Chuck]

Yes, they can attempt to get the money back from any other person or sourse that would be legally responsible.

And you have actuallly agreed to let them at some point when you signed applications, or claim forms or more.

It is not as much them suing as them making a claim with their home owners insurance to be paid back funds that the other insurance company should have paid.

Seldom does it happen unless they saw something on a medical report that made them believe they were not the responsible insurance company.

[RickJ]

In short, no. There is no reason to believe that they would sue your homeowner's insurance company.

Of course, though, we live in a country where anyone can sue anyone else for any reason, but I do believe that either a) they won't sue the homeowner's insurance company or, b) if they did, it would be thrown out.

[sideoutshu]

It would help to know where you live. But what you received from the insurance company does not mean they are going to sue. There are no insurance agreements that I know of that allow the insurer to pursue a liable party absent that pursuit by the actual injured party.

The reason the insurance company sends you that form is because in some states (usually not in NY) they have the right to reimbursement if you start a lawsuit and recover for those injuries. But since you aren't suing, the issue is moot.

There is a possibility that the homeowner's policy has a med pay provision, and perhaps that would be primary, but it isn't anything to worry about.

[JudyKayTee]

There is nothing to say that I can find that your insurance company isn't going to claim against someone else's HO's policy.

I do these investigations occasionally but don't know what happens to them - someone is hurt on property, the medical insurance claims against the HO's.

Injured party does not sue.