8 ms·

I’m sorry this happened to your daughter and you! As someone with two kids, can I ask, does health insurance not work in this situation? I ask partly because a

I’m sorry this happened to your daughter and you! As someone with two kids, can I ask, does health insurance not work in this situation? I ask partly because at the moment we own no cars. If health insurance doesn’t cover it I’m wondering how we should insure.

jhallenworld 3y ago
So she was a pedestrian when she was hit (she's OK, but messed up two years of her life). This makes me wonder if it's worth owning some crappy car even if you never drive it, just for the privilege of having auto insurance... Anyway, yes health covers it but they are first in the line getting reimbursed, even before the lawyer- which I think sucks, I mean what am I paying them for?
- balaji1 3y ago
  > but they are first in the line getting reimbursed Sorry about the incident. Do you mean the health-insurance company tries to get reimbursed? From who? the auto-insurance of the other driver?
- yodon 3y ago
  You can get car insurance without a car. It's inexpensive and available from most (many?) insurance companies.
- sowbug 3y ago
  > I mean what am I paying them for? The reimbursement right that the insurance company has is called subrogation. The basic idea is that whoever was at fault shouldn't be better off because the injured party had insurance; otherwise it would be rational for individuals to not have insurance as long as most other people do have insurance. Subrogation means someone will still sue you into the ground even if the person you hurt was made whole by insurance. There can be many links in the insurance chain before you get to the person who actually caused the problem, and in your case it sounds like UMC was the final link. At least, this is the stated public policy reason for subrogation. You are right that your health insurer got reimbursed even though they promised to cover your loved ones, and that feels weird.
- karakfa2 3y ago
  Your insurance will cover your children even if they are not listed in the insurance contract. Being redundant to be clear: if a random driver hits a pedestrian child, parent's auto insurance will cover the costs even if they are not involved in the accident. The insurance company may chose to not pursue legal action even if they pay for the costs. The injured party can still do.

jhallenworld 3y ago

So she was a pedestrian when she was hit (she's OK, but messed up two years of her life). This makes me wonder if it's worth owning some crappy car even if you never drive it, just for the privilege of having auto insurance... Anyway, yes health covers it but they are first in the line getting reimbursed, even before the lawyer- which I think sucks, I mean what am I paying them for?

balaji1 3y ago
> but they are first in the line getting reimbursed Sorry about the incident. Do you mean the health-insurance company tries to get reimbursed? From who? the auto-insurance of the other driver?
yodon 3y ago
You can get car insurance without a car. It's inexpensive and available from most (many?) insurance companies.
sowbug 3y ago
> I mean what am I paying them for? The reimbursement right that the insurance company has is called subrogation. The basic idea is that whoever was at fault shouldn't be better off because the injured party had insurance; otherwise it would be rational for individuals to not have insurance as long as most other people do have insurance. Subrogation means someone will still sue you into the ground even if the person you hurt was made whole by insurance. There can be many links in the insurance chain before you get to the person who actually caused the problem, and in your case it sounds like UMC was the final link. At least, this is the stated public policy reason for subrogation. You are right that your health insurer got reimbursed even though they promised to cover your loved ones, and that feels weird.
karakfa2 3y ago
Your insurance will cover your children even if they are not listed in the insurance contract. Being redundant to be clear: if a random driver hits a pedestrian child, parent's auto insurance will cover the costs even if they are not involved in the accident. The insurance company may chose to not pursue legal action even if they pay for the costs. The injured party can still do.