Q: I need help understanding MACP for Auto
I was in an auto accident and have injuries. My father owns the vehicle. The vehicle is covered under a family AAA plan of which I was listed on the policy and the assigned driver for that vehicle. At the time of the accident I was not living with my parents. AAA covered my collision costs and paid to replace the vehicle, but are denying my medical due to not living at home being a violation of a family plan. They told me to pursue MACP costs. Will the MACP collect reimbursement for my claims from my father at his expense? I have health insurance that covers auto injuries, but they are supposed to be secondary.
A: The MACP assigns claims to private insurers when there is no coverage available for the claimant. They should assign your claim to a private insurance carrier. That carrier should pay your benefits. It is possible the assigned carrier will go after your dad's insurance if they think AAA wrongly denied the claim, but I don't see how your dad could be facing any personal liability unless he committed some fraud in getting the policy. It is also possible they will deny the claim altogether and you will have to use your private medical insurance. Sometimes, especially if there is a viable policy to point to, you can get different insurance companies pointing the finger at each other when things go through the MACP, and then the claimant is left waiting to see what happens.
Hope this helps!
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