Dealing With Your Insurance Company FAQ
Communicating with insurance companies about your personal injury claim.
How does the insurance claims process work?
What guidelines should I follow when another person's insurance company calls me to talk about my injuries?
How do I make a formal claim for compensation for my injuries?
How do insurance companies decide how much they'll pay to compensate someone for an injury?
» Will my health insurance coverage or paid sick leave from work limit my compensation for an accident?
Will my health insurance coverage or paid sick leave from work limit my compensation for an accident?
Whether you paid for medical care out of your own pocket or your health insurance covered it is none of a claims adjuster's business. The same goes for whether your lost time at work was covered by sick leave or vacation pay. In fact, it is improper for an adjuster even to ask about such payments. You paid for your health insurance and earned your sick leave or vacation pay; now the insurance for the person who caused the accident has to pay.
Your own health insurance, however, may require that, out of your settlement, you reimburse it for some or all of the amounts it has paid to treat your injuries.
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