Q: I was in a hit by a car while walkikng, the driver fled. my car insurance stoped paying med bills.
I recieved a letter from car insurance saying they closed my claim. I am still under doctor care. I dont understand why my uninsured/underinsured doesnt cover.
Your medical bills would be covered first by the medical coverage under your automobile policy, and thereafter by your health insurance. You may have exhausted your medical benefits under your auto policy. If so, your medical provider will need a copy of that exhaustion letter.
An uninsured motorist claim, which is the claim that gets filed where the driver has fled, is like suing that driver. You would need a lawyer and might have to sue your insurance company. It is not available to make direct payments for medical bills.
If you own a car, as Mr. Scolblionko says, the medical part of that insurance pays your medical bills. If you don't own a car but live with a relative that does, their car's medical insurance will pay the bills. If you don't own a car, the other persons car insurance--if that can be identified, would pay the bills.
Medical payment is to the limit of the medical benefit. The minimum is $5,000. The owner of the car decides if they want more than that and how much. Your health insurance would pay the balance.
You still have a claim for your injuries, but that comes out of liability insurance if its' the other drivers car insurance (you didn't say which). If it's your insurance, it would be uninsured motorist if you have it. If you have more than one car you want to look at stacking.
I am a member of the Pennsylvania Association for Justice. We give free consultations so that questions on the complicated issue of medical bills can be answered.
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