Quote:
Originally Posted by retiredguy123
As I understand it, the next question would be "do you have uninsured motorist insurance?" If you say yes, then they need to use it. But, if you say no, they will bill your regular insurance or Medicare. It has no effect on your insurance coverage or treatment. I think you are better off by not having uninsured motorist insurance because, if you do, you are required to use your auto insurance to pay for your medical bills. I don't want to depend on my auto insurance to pay my medical bills. I don't think Medicare is allowed to pay medical bills if you are already covered by uninsured motorist insurance in an accident. That is why they ask the question.
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Your understanding is completely wrong. In Florida you must buy 10K in PIP coverage. That covers medical bills. So a med provider needs to know if you have auto insurance and then they'll know you have primary medical coverage with Florida's personal injury coverage "PIP" It pays before Medicare and regular health insurance. The mandatory PIP minimum limits are 10K so the first 10K in medical bills is paid by PIP.
It's absurd to think a med provider will be able to make some decision if in fact another driver or person is uninsured, and at fault, at the time of treatment, so UM applies. In addition, UM is not a primary or secondary med coverage provider. The med provider has no recourse to bill UM coverage for payment of any bills.
UM coverage is a first party contractual coverage that benefits only the insured. No med provider has any right to claim it's coverage benefits as a third party since they aren't an insured under the policy. Their claim for reimbursement of bills paid would be against the uninsured motorist.