My mother was in a car accident in Florida wih Florida no fault ins. She exhausted her $10,000 PIP coverage and $10,000 medical payment in the hospital. Next, her health insurer got billed even though she has UIM coverage. The health insurer is asking for $6000 back so far from the auto insurance. The auto insurance has not paid them. She got a $10,000 check from the underinsured at fault driver's policy (bodily injury-that was all he had). It is uncashed. I hoped there would be some left over for pain and suffering and unreimbursed out of pocket expenses of about $5000. Now I am worried that she will be owing money for an accident that was not her fault. Is it worth it to push her auto ins to open a UIM claim? Will she just end up owing the $10,000 back one way or another?
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