If I have a $20,000 hospital bill and Medi-cal paid for it, but it was reduced and only had to pay $1,000, what will my insurance company, under UIM offer me in regards to this bill?

Asked on July 31, 2015 under Personal Injury, California


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

$1,000.00 is what you should receive; you are only entitled to compensation for the actual medical costs you incurred--i.e. the out-of-pocket costs (not picked up by insurance) that you actually paid. If you only had to pay $1,000, that was your cost or loss; it will only take $1,000 to "make you whole" for your medical bills.

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