Essentially, you are correct.
You should not have to pay a cent if all of your information is true.
That does not mean however that the insurance company for the other driver won’t try to bend, twist and change the facts to try and make it look like you were at fault
In my opinion, you should consult with an experienced PI attorney in your area as soon as possible.
It is not unusual, but what is your lawyer doing about it?
The adverse insurance is not required to make a claim determination. Ever. They can ignore you if they want.
That is what attorneys are for. If warranted, an attorney working for you can file a lawsuit and MAKE THEM come to the table.
Ask your attorney: What are your intentions here?
This is a multi-part answer:
1. If a driver of another car causes an accident, and f you make a claim for medical payments under your policy, so long as the amount you receive does not exceed $5000, there is no credit, offset or repayment obligation;
2. If the driver of a vehicle you are in is at fault, and it is the same insurer and same policy of insurance that provides for medical payments and a later settlement, they can offset the final settlement by the amount of med pay provided;...
You have the right to make a claim with your own insurance company for the med pay, and you can still submit all of your bills to the insurance company for the responsible driver to pat AGAIN.
The other driver/insurance company get no credit or reduction for your own insurance company having paid your bills