Geico v. United Health Care Claim
January 13, 2009 1:40 PM Subscribe
I slammed my thumb in the car door and medical bills went to United Health Care instead of Geico. Geico is pissed I never notified them. Now what?
posted by dancinglamb to Law & Government (10 answers total) 4 users marked this as a favorite
I slammed my thumb in my car door back in October. It was pretty bad (broken in three places and minor surgery to reassemble the nailbed), and required a couple visits to a hand surgeon in addition to the regular ER visit.
My FIL mentioned that we could probably put it in as a car insurance claim (Geico), but that it would also be covered through our regular health insurance (United Health Care). I received a letter in the mail from a company that verifies claims on behalf of UHC, and it seems that they are now trying to recoup their losses by going after Geico.
I just got off the phone with a liability rep who wanted to verify the car make/model (not the no fault person who had already left for the day), and the guy really got on my case about not 'informing Geico on a timely basis about the accident'. He said that they 'frown upon claims not brought to their attention within 30 days of an incident' and that this should've gone in under a PIP claim.
I told him that the hospital automatically billed to UHC, and the hand surgeon did as well since it wasn't a motor vehicle accident. I, too, was under the impression that it could go in either direction since the car wasn't moving and there were no other parties involved. I also wasn't too keen about putting in a claim and having my insurance rates go up (I live in NJ - land of the insane insurance rates). He blew me off after that, telling me that I had to deal with the no fault rep tomorrow.
Am I screwed?