Medical payments insurance, commonly called med pay, is under closer scrutiny these days. Why? Because insurers want you to reimburse them when you collect damages from the third party. Of course, you do not want to pay them back.
The dispute is simple: you pay your insurer for coverage and payment for your medical bills if you are in a collision, regardless of fault. Your insurer, however, wants to be paid back if they pay for your medical bills. They want every last dime despite the fact that they have not been entitled to collect 100% in twenty plus years. You, however, want to maximize your recovery. After all, you paid premiums for all of those years for this coverage and the insurance company doesn’t reimburse you those premiums they paid.
The solution is complex. However, at this time, if you are in a collision because of a third party and you use your med pay, you MAY need to reimburse your med pay insurer. However, consult with your attorney about this issue and follow his/her advice. If they do not have any advice, consult with another attorney to make sure you completely understand your rights and obligations.