Not sure how this may work in Fla., but while we were in NJ I can recall the “New Patient” forms at Urgent Care and Dr.’s Offices having a block to check if the injury you were coming in for treatment for was the result of an Auto Accident. Then they asked for the accident details, incl. your Auto Ins. Co. Policy info. Basically, I’d assumed it was because how the medical fees would be handled vs regular illness care.
Then, I had occasion to be in a minor incident on my motorcycle, and when going to the Dr’s office for treatment, that form popped up, and I had to provide them with a letter from my Ins Co. stating that my policy did not cover medical expenses, but rather, my healthcare policy would. They had a policy of not treating (other than emergency care) auto claim patients. I was told by the staff it was due to the interminable delays and red tape the payment of their fees would incur when being handled by an Auto Ins. Co. More trouble than it was worth. Found that very interesting, and have opted out of Medical Payments coverage on vehicle policies since then. Not exactly the same as UIM coverage discussed here…….but still related to auto policy provisions you need to look at closely.
|