My spouse and I fell off of a motorized scooter while traveling outside of the country (spouse was driving) and I sustained an injury which required medical follow-up when we returned home to the states. My health insurance is now asking me to notify my auto insurance carrier and is implying my that my spouse's personal injury protection will be responsible for the coverage. I am hoping for some advice on how to navigate this so that I don't end up being denied for the medical claim by our auto insurance and our health insurance carriers since the accident occurred outside of the country.
Your (her) auto insurance will not pay if you were on a 2-wheeled vehicle and out of country - unless you have motorcycle insurance. You need to get a letter from your (her) insurance declining to make any payments and stating there is no coverage for a motorcycle. You then need to provide your health insurance with a copy of that letter and demand that they pay your bills. MAKE SURE YOU FOLLOW UP EVERYTHING IN WRITING! You will have to DEMAND that your health insurance covers the bills. They will do whatever they can to get out of it - but in this instance they are primary. Good luck!
Read your auto policy. Check out the PIP or medical payments sections and then read over the "coverage are or territory", then you'll know. Or call your agent and ask or simply make the claim and your adjuster will accept the claim or deny it and explain why.
Advice given in this forum does not create an attorney - client relationship. No advice should be relied on without consulting with a local attorney.
You need to check the terms of your auto policy. Go ahead and report it to your carrier and if they deny coverage based on policy provisions (not driving an auto, the accident being out of the territory covered by your policy, etc.), you can use that letter to show your health insurance carrier that you don't have any applicable auto insurance for this accident and they should cover the treatment under your health insurance policy.
If your car insurance denies payment, which they probably will because you were out of the country when the injury happened (unless you have motorcycle insurance coverage, then they may); then, send a copy of the denial letter from your car insurance to your health insurance. Your health insurance should then pay for the healthcare costs of your injury.
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