Quote:
Originally Posted by retiredguy123
I appreciate your input. But, in a case of two broken legs and other injuries, wouldn't my health insurance company be first in line to collect that $100k for medical bills? In my case, I have an annual $6,000 catastrophic limit on my health insurance after which, I pay zero money out of pocket. That is the most I can ever pay for medical treatment in a year. So, how would I benefit from having $100k in UM coverage, most of which would go to my health insurance company for medical bills? There would be no money left over for a pain and suffering claim.
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Recovery rights of Medicare and any health care provider are solely against the liable party. They have no rights of recovery against any first party coverages purchased by an injured party, to protect their interests. So they don't have access to your UM benefits.