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Request for Accident Info
04-20-2016, 08:41 AM
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#1
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Recycles dryer sheets
Join Date: May 2013
Posts: 68
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Request for Accident Info
Approximately a year ago my wife fell at our daughter's house. She lost her balance and as a result had a brief hospital stay. Our insurance (primary and supplemental plans) paid most of the bills. I received a request from them because this was classified as an accident. What do they want? To make my daughter's insurance pay? To sue our daughter? Other? We are happy with the coverage as is and would prefer not to respond at all, but we don't think that is an option. Also our daughter was not at fault in any way. My wife simply lost her balance and fell. Any similar experiences or recommendations?
Thanks.
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04-20-2016, 08:52 AM
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#2
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Thinks s/he gets paid by the post
Join Date: Feb 2012
Posts: 1,477
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Quote:
Originally Posted by Dan32
Approximately a year ago my wife fell at our daughter's house. She lost her balance and as a result had a brief hospital stay. Our insurance (primary and supplemental plans) paid most of the bills. I received a request from them because this was classified as an accident. What do they want? To make my daughter's insurance pay? To sue our daughter? Other? We are happy with the coverage as is and would prefer not to respond at all, but we don't think that is an option. Also our daughter was not at fault in any way. My wife simply lost her balance and fell. Any similar experiences or recommendations?
Thanks.
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We get these requests occasionally for anything that could be the result of an accident, the most recent being for foot x-rays I had. I assume they want to make sure there's no one else they can go after.
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04-20-2016, 08:58 AM
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#3
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2014
Posts: 7,373
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There's a coverage in the Homeowners policy called Medical Payments, usually $1,000 or $2,000, that the insurer will pay out without regard to fault. The idea is to offer someone who's had a minor injury on your property a small amount to make them whole, without the hassle and expense of attorneys. They may want to recover under that.
We had a pool in our last house and the stubborn 4-year old son of a friend jumped off the side of the diving board after being told repeatedly not to, and ended up needing a few staples to close a gash in the back of his head. I offered to file a Med Pay claim if they had to pay cash out of pocket (e.g. a steep deductible) and they said it wasn't necessary.
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04-20-2016, 10:18 AM
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#4
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Thinks s/he gets paid by the post
Join Date: Jan 2014
Posts: 1,181
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TRICARE calls it Third Party Recovery. If the diagnosis on the medical claim indicates accident/injury they send out a form to determine if the JAG office can recoup claim payments from another insurance.
https://www.tricare4u.com/wps/portal...RIdP9zSd1FYmx/
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04-20-2016, 10:22 AM
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#5
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Dryer sheet aficionado
Join Date: May 2013
Posts: 44
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I have received these a couple of times. The health insurance company will give up after a couple of ignored letters. This is insurance from my employee though so I wasn't too worried about any impact on the coverage.
Sent from my iPhone using Early Retirement Forum
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04-20-2016, 12:20 PM
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#6
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2013
Posts: 11,078
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They want to make sure if it was an accident. If you were to sue someone over the accident they want to collect any payments they made.
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04-20-2016, 01:35 PM
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#7
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2005
Location: Chicago
Posts: 13,186
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Standard procedure. If you collected money from the home owner's insurance company, it would be used to offset the bills your medical insurance paid. Keeps people from double dipping.......
__________________
"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
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04-20-2016, 02:24 PM
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#8
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Recycles dryer sheets
Join Date: Jan 2013
Posts: 192
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They are just checking to make sure that you don't double dip - for instance make a claim on your insurance and get reimbursed by someone else or to make sure that it is not a workman's compensation claim. We have had this happen a couple of times.
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