Health insurance won’t pay? Road rage incident

[Anonymous]

Can this possibly be true (the Daily Mail is a little sketch so I don’t want to assume accurate reporting). According to this article, the insurance company of the woman who was run over three times and left in critical condition won’t cover her medical expenses because they were “intentionally inflicted.” What insurance company is this? It doesn’t sound right.

[/url]https://www.dailymail.co.uk/news/article-10724775[url]

[Anonymous]

If her injuries were the result of a confrontation she was intentionally/willingly engaged in, there is likely some sort of contributory negligence exclusion for coverage.

I learned this the hard way several years ago after being charged with aggravated assault (plead down to simple assault) after I couldn’t put up with looking at my across-the-street neighbor’s trump yard signs a minute longer. I just snapped, and went over and started pulling up and knocking over signs. We ended up getting in a shoving match, then a fight, then I kicked his ass. That’s why he called the police.

Anyways we both had to go the ER for various injuries and several weeks later my HI carrier at the time (BCBS) sent me a letter informing me they were denying any medical claims for treatment of injuries because I was willful involved in a assault.

My neighbor was in the process of suing me for damages but died of covid last year. Which shows you which side the universe is on.

[Anonymous]

Anonymous wrote:If her injuries were the result of a confrontation she was intentionally/willingly engaged in, there is likely some sort of contributory negligence exclusion for coverage.

I learned this the hard way several years ago after being charged with aggravated assault (plead down to simple assault) after I couldn’t put up with looking at my across-the-street neighbor’s trump yard signs a minute longer. I just snapped, and went over and started pulling up and knocking over signs. We ended up getting in a shoving match, then a fight, then I kicked his ass. That’s why he called the police.

Anyways we both had to go the ER for various injuries and several weeks later my HI carrier at the time (BCBS) sent me a letter informing me they were denying any medical claims for treatment of injuries because I was willful involved in a assault.

My neighbor was in the process of suing me for damages but died of covid last year. Which shows you which side the universe is on.

LOL. You are a character!! Love the story but don’t do it again!!

[Anonymous]

Anonymous wrote:If her injuries were the result of a confrontation she was intentionally/willingly engaged in, there is likely some sort of contributory negligence exclusion for coverage.

I learned this the hard way several years ago after being charged with aggravated assault (plead down to simple assault) after I couldn’t put up with looking at my across-the-street neighbor’s trump yard signs a minute longer. I just snapped, and went over and started pulling up and knocking over signs. We ended up getting in a shoving match, then a fight, then I kicked his ass. That’s why he called the police.

Anyways we both had to go the ER for various injuries and several weeks later my HI carrier at the time (BCBS) sent me a letter informing me they were denying any medical claims for treatment of injuries because I was willful involved in a assault.

My neighbor was in the process of suing me for damages but died of covid last year. Which shows you which side the universe is on.

This was over some signs on their lawn? Jeebus.

[Anonymous]

Anonymous wrote:If her injuries were the result of a confrontation she was intentionally/willingly engaged in, there is likely some sort of contributory negligence exclusion for coverage.

I learned this the hard way several years ago after being charged with aggravated assault (plead down to simple assault) after I couldn’t put up with looking at my across-the-street neighbor’s trump yard signs a minute longer. I just snapped, and went over and started pulling up and knocking over signs. We ended up getting in a shoving match, then a fight, then I kicked his ass. That’s why he called the police.

Anyways we both had to go the ER for various injuries and several weeks later my HI carrier at the time (BCBS) sent me a letter informing me they were denying any medical claims for treatment of injuries because I was willful involved in a assault.

My neighbor was in the process of suing me for damages but died of covid last year. Which shows you which side the universe is on.

Omg this is great! Thanks for sharing. Another Herman Cain Award.

[Anonymous]

I’ve never heard of this, but anything is possible with insurance. Usually though the carriers subrogate against the other party.

And PP, all I can say is wow…

[Anonymous]

Anonymous wrote:If her injuries were the result of a confrontation she was intentionally/willingly engaged in, there is likely some sort of contributory negligence exclusion for coverage.

I learned this the hard way several years ago after being charged with aggravated assault (plead down to simple assault) after I couldn’t put up with looking at my across-the-street neighbor’s trump yard signs a minute longer. I just snapped, and went over and started pulling up and knocking over signs. We ended up getting in a shoving match, then a fight, then I kicked his ass. That’s why he called the police.

Anyways we both had to go the ER for various injuries and several weeks later my HI carrier at the time (BCBS) sent me a letter informing me they were denying any medical claims for treatment of injuries because I was willful involved in a assault.

My neighbor was in the process of suing me for damages but died of covid last year. Which shows you which side the universe is on.

I have no ideas if this story is remotely true but I am here for it nonetheless.

[Anonymous]

But in the road rage case, the victim hasn’t been charged with anything nor has it been asserted she was at fault. The driver has been arrested.

[Anonymous]

Anonymous wrote:If her injuries were the result of a confrontation she was intentionally/willingly engaged in, there is likely some sort of contributory negligence exclusion for coverage.

I learned this the hard way several years ago after being charged with aggravated assault (plead down to simple assault) after I couldn’t put up with looking at my across-the-street neighbor’s trump yard signs a minute longer. I just snapped, and went over and started pulling up and knocking over signs. We ended up getting in a shoving match, then a fight, then I kicked his ass. That’s why he called the police.

Anyways we both had to go the ER for various injuries and several weeks later my HI carrier at the time (BCBS) sent me a letter informing me they were denying any medical claims for treatment of injuries because I was willful involved in a assault.

My neighbor was in the process of suing me for damages but died of covid last year. Which shows you which side the universe is on.

Have you considered anger management therapy?

[Anonymous]

Anonymous wrote:If her injuries were the result of a confrontation she was intentionally/willingly engaged in, there is likely some sort of contributory negligence exclusion for coverage.

I learned this the hard way several years ago after being charged with aggravated assault (plead down to simple assault) after I couldn’t put up with looking at my across-the-street neighbor’s trump yard signs a minute longer. I just snapped, and went over and started pulling up and knocking over signs. We ended up getting in a shoving match, then a fight, then I kicked his ass. That’s why he called the police.

Anyways we both had to go the ER for various injuries and several weeks later my HI carrier at the time (BCBS) sent me a letter informing me they were denying any medical claims for treatment of injuries because I was willful involved in a assault.

My neighbor was in the process of suing me for damages but died of covid last year. Which shows you which side the universe is on.

I will never understand people who support Trump, but you don't take their signs, and you don't assault them, for goodness' sake! Please, get your aggressive tendencies under control, for your own sake and the welfare of those around you.

[Anonymous]

Anonymous wrote:If her injuries were the result of a confrontation she was intentionally/willingly engaged in, there is likely some sort of contributory negligence exclusion for coverage.

I learned this the hard way several years ago after being charged with aggravated assault (plead down to simple assault) after I couldn’t put up with looking at my across-the-street neighbor’s trump yard signs a minute longer. I just snapped, and went over and started pulling up and knocking over signs. We ended up getting in a shoving match, then a fight, then I kicked his ass. That’s why he called the police.

Anyways we both had to go the ER for various injuries and several weeks later my HI carrier at the time (BCBS) sent me a letter informing me they were denying any medical claims for treatment of injuries because I was willful involved in a assault.

My neighbor was in the process of suing me for damages but died of covid last year. Which shows you which side the universe is on.

Well, this is a heckuva of an example and massively more interesting than the original post.

[Anonymous]

The GoFundMe they’re using as a source doesn’t say it was her health insurer that denied coverage, just “the insurance company.” That could be the driver’s auto insurer, in which case it is not surprising at all that they are denying coverage for intentionally inflicted injuries, because that is a standard exclusion (and many states don’t allow indemnity coverage for intentionally-inflicted damage/injury at all).

[Anonymous]

Anonymous wrote:The GoFundMe they’re using as a source doesn’t say it was her health insurer that denied coverage, just “the insurance company.” That could be the driver’s auto insurer, in which case it is not surprising at all that they are denying coverage for intentionally inflicted injuries, because that is a standard exclusion (and many states don’t allow indemnity coverage for intentionally-inflicted damage/injury at all).

So maybe she doesn’t have health insurance or will still have high out of pocket medical costs that typically cost would be covered by the auto insurer if not intentional?

[Anonymous]

Anonymous wrote:But in the road rage case, the victim hasn’t been charged with anything nor has it been asserted she was at fault. The driver has been arrested.

So, at one point the linked article says health insurance won't pay, but earlier it just says insurance and in the Go Fund Me it just says insurance.

So it's not clear to me which insurance is at issue here. I can see the perpetrator's auto insurer refusing to pay out for an intentional act of its insured, although public policy would surely dictate that they pay up to the state's liability limits when the insured is found criminally liable. Whether that happens in reality probably depends on the state.

I'd find it surprising if HER health insurance was denying coverage. I'm not sure what kind of jacked up policy that would be.

[Anonymous]

She's a city employee, so I assume she has health insurance. Typically, the car insurance medical coverage would pay first, and then her health insurance would kick in for anything over the coverage limits. It may be a case where both insurance companies are arguing about it. Her medical insurance is saying the car insurance should cover it; his car insurance is refusing to pay out because it wasn't an accident, but an intentional, criminal act.

Normally, I'd expect her health insurance to cover it and go after his insurance company or get reimbursed if there is an eventual settlement with the insurance company--but that can take years. She can sue the guy who hit her (or he could be assigned those costs as part of his conviction), but who knows if he has any money and again, that could take a long time to be settled.