My car ins wants the med pay reimbursed. Knowing I can negotiate payment amount, Do they need to know the amount I settled for?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: May 26, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Santa Monica, CA

Asked on 05/26/2012

My car ins wants the med pay reimbursed. Knowing I can negotiate payment amount, Do they need to know the amount I settled for? Not aware I needed to pay back the med pay, my insurance is asking for it back. They want a copy of check stub. Do they really need to know what i got? my med pay is $5,000 and I only have $1,000 saved that i offered them. Any advice please!thx

Answer given on May 26, 2012

In auto insurance the medical payments coverage is excess over any other collectible insurance. Your insurance company will pay, up to the limits of the policy, for your medical expenses, but they expect to be reimbursed if you collect from another party or company. You are not entitled to collect twice for the same loss.If your insurance company paid $5,000 then they are to be reimbursed that $5,000 amount. They can determine how much you were paid by the other company by simply contacting the other insurance company. It should have been explained to you how the medical payments coverage works, but it still is your responsibility to reimburse the company. You should not have spent it on other items. You may be able to work out a payment plan with your insurance company for the difference between what you still have and what you owe them. Discuss it with the adjuster.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption