If an auto insurance pays for medical claims and a settlement is received from an at-fault driver for bodily injury is that to repay the insurance co?

Answer

According to my insurance company, if i recieve money from the at fault other driver as in a settlement, then yes I have to repay my own insurance company for the medical related expenses they paid for me that fell under my medical coverage policy. So if you have 10,000 in bodily injury and you used 5,000 in medical and you were awarded 20,000 by the other insurance company, you must pay them back that 5,000 and can keep the rest. This may not be true for all companies. Your claim adivisor or insurance agent should be able to answer for you. The other screwy thing is that if you have to go to court to get a settlement or any money awarded, my insurance company said they will not pay for any costs associated with a lawyer or court but that if I get any money, I HAVE to pay them back all the medical they paid out on my behalf. I can choose to get whatever settlement is offered and get the leftovers, I can hire an attorney(out of my pocket) or I can do nothing. I am not sure why we pay these people.

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