E90Post
 


ECS BMW
 
BMW 3-Series (E90 E92) Forum > BIMMERPOST Universal Forums > Off-Topic Discussions Board > Insurance Question



Reply
 
Thread Tools Search this Thread
      01-31-2008, 08:30 PM   #1
just4kickz
boku no namae ha...
 
Drives: 2006 BS 330i
Join Date: Feb 2006
Location: S. Bay Area, CA + Newark, NJ + ChiCity + True Blue

Posts: 11,037
iTrader: (11)

Garage List
2006 E90 330i  [0.00]
Insurance Question

So I got into an accident in December riding my bike home from school. I ended up getting plowed by a chick in a car and ended up faceplanting on the cement. Luckily I didn't have any broken bones or whatever but I did get stitches to my face and a bad ass scar right now.

Now the question right now is whether my insurance should pay for any of my medical bills. I was told by the other party's insurance that the bills should first go through my health insurance, and then after my health insurance paid the XXXX amount, I would send the bill to the other party's insurance. They would then give me the money to pay off the bill.

However, I was told by my auto agent that if it wasn't my fault, then the other party's insurance should face the entire bill and my health insurance should not have paid any of it. Basically if my insurance pays for it, my rates probably go up as well... thats the reasoning behind my question. Plus my account is a subaccount under my mom and she sure as hell doesn't want to pay more...

anyways any advice would be great.

Right now I have a few bills that need to be taken care of:
Hospital Bill, the Hospital Physician Bill, Clinic Suture removal, Damage to my bike--they said they'd pay for a new bike, but I got it repaired already but my gears are kinda janked up.

thanks!
__________________
looking for a PreLCI Black Sapphire e90 front bumper without license plate holes

"Akimbo shotguns. Broken wrists anyone? And don't give me that 'it's just a game' bull****. Where the **** are my akimbo interventions then?! One scope on each eye mother****er!!"
just4kickz is offline   United_States
0
Reply With Quote
      01-31-2008, 08:39 PM   #2
Bulldog 6
The Logistician
 
Bulldog 6's Avatar
 
Drives: 2007 328i TiAg
Join Date: Feb 2007
Location: Richmond, VA

Posts: 746
iTrader: (0)

Garage List
2007 328i E90  [0.00]
Sounds like the chicks insurance should pay they are trying to screw you...face down...on the cement.
Bulldog 6 is offline   United_States
0
Reply With Quote
      01-31-2008, 08:46 PM   #3
AndrewAZ
Major
 
AndrewAZ's Avatar
 
Drives: 335i
Join Date: Jan 2007
Location: CA

Posts: 1,244
iTrader: (0)

Yea her insurance should foot the entire bill, they are trying to screw you. Remember her insurance wants to pay out as little as possible and you have to fight to get what is right.
AndrewAZ is offline  
0
Reply With Quote
      01-31-2008, 08:52 PM   #4
Kev
Resident Anesthesiologist
 
Kev's Avatar
 
Drives: VW bug with a misplaced engine
Join Date: Aug 2006
Location: Seattle, WA

Posts: 8,815
iTrader: (24)

Garage List
It's possible to go through your own insurance, but they will go after the other party's insurance to try to recover the entire sum. However, if you have not filed anything yet, file the bills with the auto insurance company of that chick. Also, since the scar is on your face, get a plastic surgery consult as well and stick them with the bill. You don't wanna be "Scarface" now, do you? If in the process of filing with the insurance company, the hospital start to bother you about the bills, call the billing department, explain your situation, and they will either setup a payment plan which is significantly cheaper than the actual bill or they will go after the insurance company on your behalf. After all, they are in on it as well.
__________________
kev { divinum est sedate dolorem }
Kev is offline   Hong Kong
0
Reply With Quote
      01-31-2008, 09:31 PM   #5
TurboFan
Ski bum
 
TurboFan's Avatar
 
Drives: sideways
Join Date: Aug 2007
Location: Knee deep in the pow

Posts: 6,207
iTrader: (8)

Quote:
Originally Posted by Kev View Post
It's possible to go through your own insurance, but they will go after the other party's insurance to try to recover the entire sum. However, if you have not filed anything yet, file the bills with the auto insurance company of that chick. Also, since the scar is on your face, get a plastic surgery consult as well and stick them with the bill. You don't wanna be "Scarface" now, do you? If in the process of filing with the insurance company, the hospital start to bother you about the bills, call the billing department, explain your situation, and they will either setup a payment plan which is significantly cheaper than the actual bill or they will go after the insurance company on your behalf. After all, they are in on it as well.
well, I don't think I'd get a plastics consult from the hospital. You'll get a junior off-service resident, not a good plastics doc. You'll need to go to a good private practice if you want a good plastics opinion.
__________________

1999 e46 328i Ti Silver / Black[retired]
2007 e90 335xi Jet Black / Black[retired]
2011 e70 X5 35d Vermillion Red / Cinnamon
2011 e92 M3 LeMans / Fox Red extended
TurboFan is offline  
0
Reply With Quote
      01-31-2008, 10:20 PM   #6
just4kickz
boku no namae ha...
 
Drives: 2006 BS 330i
Join Date: Feb 2006
Location: S. Bay Area, CA + Newark, NJ + ChiCity + True Blue

Posts: 11,037
iTrader: (11)

Garage List
2006 E90 330i  [0.00]
Quote:
Originally Posted by Kev View Post
It's possible to go through your own insurance, but they will go after the other party's insurance to try to recover the entire sum. However, if you have not filed anything yet, file the bills with the auto insurance company of that chick. Also, since the scar is on your face, get a plastic surgery consult as well and stick them with the bill. You don't wanna be "Scarface" now, do you? If in the process of filing with the insurance company, the hospital start to bother you about the bills, call the billing department, explain your situation, and they will either setup a payment plan which is significantly cheaper than the actual bill or they will go after the insurance company on your behalf. After all, they are in on it as well.
lol the scar isnt that bad... bout a centimeter one above my brow and a another one below my eye... not too concerned about looks... scars are less visible if you know how to treat them during the healing process.

anyways so i guess the general consensus is that my health insurance shouldnt pay a penny? & instead all of it should be on the other party's insurance.
__________________
looking for a PreLCI Black Sapphire e90 front bumper without license plate holes

"Akimbo shotguns. Broken wrists anyone? And don't give me that 'it's just a game' bull****. Where the **** are my akimbo interventions then?! One scope on each eye mother****er!!"
just4kickz is offline   United_States
0
Reply With Quote
      02-01-2008, 03:25 PM   #7
777ER
Lieutenant
 
777ER's Avatar
 
Drives: 2007 328xi
Join Date: Jan 2007
Location: NY

Posts: 561
iTrader: (2)

Send a message via AIM to 777ER
Don't go thru the health insurance, def go thru the at fault insurance. They are trying to weasel their way out of paying $$$.

Think about it, they get your health insurance to pay the medical bills, jack up the rate of the at-fault insurance (in this case the chick's) and they get all the $$$.

They always pull strings and stuff like that, don't fall for it.

Def get those hostipal bills taken care of ASAP by the chick's insurance, the hostipal will hound you and even send them to collection if you fail to pay up on the 2nd or 3rd phone call.
The collection will def mess up your credit file...I know this from working in the medical billing dept for a office and the collection lawyers.

I had a hostipal call for payment which my bro was at fault in a motorcycle accident and the health insurance didn't contact them yet..and they called at the worst time...my parents were out of the country for a 2 week vacation and it already has been 2-3 days and they have the insurance info. They told me if it's not paid up by the end of the week, it will be sent to collection. I had to make a few phone calls and got them to stop the collection service...they called and i told them they were too late and the hostipal has the insurance info already.
__________________
-Chris
2007 Montego Blue 328xi


Sedan | Poplar trim | Steptronic | Cold Package | Power front seats w/memory | Xenon Adaptive Headlights | PDC | 2008 Plate LED's | PBX | LUX v5.2
777ER is offline   United_States
0
Reply With Quote
      02-01-2008, 04:04 PM   #8
Hawkeye
Brigadier General
 
Hawkeye's Avatar
 
Drives: '07 Z4 si Coupe, '08 R6
Join Date: Aug 2007
Location: Holland

Posts: 3,593
iTrader: (0)

Garage List
^^ What they said. It's all on her insurer.

Now about wearing that helmet...
__________________
2007 Z4 3.0si Coupe 6 MT Black Saphire Metallic PP SP Heated M Seats Clutch Stop Stubby
2008 R6 Raven Black GPR Steering Stabilizer Comp Werks FE Hotbodies Flush Mount Blinkers
2008 Nissan Titan XE King Cab Long Bed 4x4 Line-X
Hawkeye is offline   No_Country
0
Reply With Quote
Reply

Bookmarks

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump


All times are GMT -5. The time now is 06:30 AM.




e90post
Powered by vBulletin® Version 3.7.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
1Addicts.com, BIMMERPOST.com, E90Post.com, F30Post.com, M3Post.com, ZPost.com, 5Post.com, 6Post.com, 7Post.com, XBimmers.com logo and trademark are properties of BIMMERPOST