Health insurance won’t pay? Road rage incident

[Anonymous]

She's probably going to need to appeal. Unfortunately, she's probably not in the best shape to do that. Insurance companies are fun aren't they?

[Anonymous]

Her insurance will not pay because the driver intentionally hit her, so his insurance company is responsible. If he does not have insurance, she will need to sue him.

If I put a hose through your window and flood your house, your homeowners will not pay, same reason here.

[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.

You must be one of the famous trolls around here. Only gullible people would believe it. There is no way you had not been arrested for that incident.

[Anonymous]

Anonymous wrote: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.

She may not have health insurance if she’s a part-time employee.

[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. I had no idea you posted here. Folks, this one is true.