Long story short…daughter was involved in a car accident 2 years ago and was not at fault. She had some minor neck pain and headache so we went to the hospital as a precaution.
Days later we find out the driver had given expired auto insurance (State Farm). We later get a bill that I sent my auto insurance, also State Farm to cover the $900 hospital bill. Turns out they never did and they are coming after us daily. Do they do this to illegals that inundate hospitals?

Maybe I'm in the wrong and should just pay it, but since this was part of the accident, I don't feel responsible to pay out of my pocket.

Call and offer to pay $7.50 per month for 10 years. That will stop the calls.

P.H. Dexippus said:

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Why not call back State Farm?

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I dropped them already

Seamaster said:

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Aggie95 said:

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P.H. Dexippus said:

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Why not call back State Farm?

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I dropped them already

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That doesn't absolve them as the claim occurred when they had the coverage.

It would depend on exactly what coverage you had at the time and what your deductibles were but it's worth a shot.

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this. they covered you when it happened, call them.

if the policy did not cover the hospital bill, offer to settle as noted above. Make those $7.50 payments for a few months then call and offer to settle for about 1/3 of the bill.

Not to turn this into a State Farm bash thread, but there is a reason dropped them about 15 years ago.

Good luck OP. There are a lot of ways to deal with these people. I had a routine medical procedure a couple of months ago, and my providers and insurer cannot seem to get on the same page. It is extremely disappointing it goes this bad.

Never had a single issue with State Farm. Have had multiple policies for multiple things for decades, never had any issues with claims.

Dawnguard said:

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just to be clear:

you're trying to submit a claim on an expired policy? 'cause state farm will just ignore you and say they have no ownership.

So then, once finding out the other insurance isn't paying, you submit to your claim to your own insurance company. There's a whole department called subrogation that just works with getting your money back. If they recover, you get your money back and potentially remove the bad mark from the driving record.

Hopefully this will be claimed under uninsured or under insured motorist (if you paid for that). The insurance company will then use their own resources to get their money back from the at fault party.

But let's say you didn't have uninsured motorist because you fail to realize how many people don't have insurance? Well - Texas requires auto insurance to have something called "personal injury protection". The state mandated amount is $2,500 - available for every claim. That should also be available to you, and they can attempt to reclaim it from the at fault side. If you turned down PIP, you signed something saying that you understand that the law requires it, but you didn't want it anyway.

If all 3 of these insurance claims didn't go through, then just offer to pay, because otherwise it'll go to collections where they'll try really hard since they're making pennies on the dollar.

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Not 100% clear what you are asking...also, this happened in GA. The claim and accident happened while I had a State Farm policy. The at fault driver gave the cop a policy number that turned out to be expired, so when they totaled my daughters car, it was filed under my uninsured motorist. The hospital bill came up weeks later. I kept asking State Farm to handle it and fight it, but apparently they chose not too or something. I dropped them a few months later...probably a year after the accident.
It is in collections now, so I probably can't negotiate with the hospital at this point.

Aggie95 said:

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Dawnguard said:

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just to be clear:

you're trying to submit a claim on an expired policy? 'cause state farm will just ignore you and say they have no ownership.

So then, once finding out the other insurance isn't paying, you submit to your claim to your own insurance company. There's a whole department called subrogation that just works with getting your money back. If they recover, you get your money back and potentially remove the bad mark from the driving record.

Hopefully this will be claimed under uninsured or under insured motorist (if you paid for that). The insurance company will then use their own resources to get their money back from the at fault party.

But let's say you didn't have uninsured motorist because you fail to realize how many people don't have insurance? Well - Texas requires auto insurance to have something called "personal injury protection". The state mandated amount is $2,500 - available for every claim. That should also be available to you, and they can attempt to reclaim it from the at fault side. If you turned down PIP, you signed something saying that you understand that the law requires it, but you didn't want it anyway.

If all 3 of these insurance claims didn't go through, then just offer to pay, because otherwise it'll go to collections where they'll try really hard since they're making pennies on the dollar.

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Not 100% clear what you are asking...also, this happened in GA. The claim and accident happened while I had a State Farm policy. The at fault driver gave the cop a policy number that turned out to be expired, so when they totaled my daughters car, it was filed under my uninsured motorist. The hospital bill came up weeks later. I kept asking State Farm to handle it and fight it, but apparently they chose not too or something. I dropped them a few months later...probably a year after the accident.
It is in collections now, so I probably can't negotiate with the hospital at this point.

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you can still raise hell with state farm for not dealing with it to begin with. call first and then use social media if you have too.

flown-the-coop said:

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Call and offer to pay $7.50 per month for 10 years. That will stop the calls.

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In now defunct pennies.

annie88 said:

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flown-the-coop said:

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Call and offer to pay $7.50 per month for 10 years. That will stop the calls.

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In now defunct pennies.

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pennies still legal tender.

Only the vet.

Edit: I apologize for the above. It was related to the word 'hound'.

I did not read your post fully before I replied.

I pray your daughter heals quickly and fully.

flown-the-coop said:

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annie88 said:

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flown-the-coop said:

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Call and offer to pay $7.50 per month for 10 years. That will stop the calls.

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In now defunct pennies.

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pennies still legal tender.

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Oh, I know, but they're not going to make any more so I'm just saying it would be funny and frustrating to them to pay it off in pennies.

Uninsured motorist coverage.

I just inherited about 200 pounds of coins from my mom. Thinking about giving the grandkids their gifts in pennies and nickel / quarter collection.

They can spend Christmas day learning to count and make change.

IIIHorn said:

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Uninsured motorist coverage.

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Worth every penny.

When my son was born the hospital separated the bill between the care for my wife and the care for our baby. Our medical insurance was through my job and when I added my son the benefits clerk that handled our company insurance entered a typo and made his effective date the day after he was born. When the hospital submitted the bill of course Aetna rejected payment saying he wasn't covered. Some billing people at the hospital called me a bunch of times and I at first blew it off because I had insurance and assumed a mistake and didn't call them back. A few months after I read through the bills sent to my house and called the insurance company and they told me they wouldn't be paying the claim because of lacking coverage. This went back and forth for months before I was finally told why the claim was denied and I contacted my benefits department and told them they needed to fix it and they did. I then explained to the hospital what happened and they said they would re-submit the claim and they did. Aetna rejected it again because it was submitted a few days beyond the 6 months after the birth that they require. After another few months of bills and calls the hospital just ate it and I assume never got paid other than the amount we had to pay out of pocket . I think the amount the hospital submitted to Aetna was $25k. I never heard from the hospital again on it.

agracer said:

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Aggie95 said:

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Dawnguard said:

---

just to be clear:

you're trying to submit a claim on an expired policy? 'cause state farm will just ignore you and say they have no ownership.

So then, once finding out the other insurance isn't paying, you submit to your claim to your own insurance company. There's a whole department called subrogation that just works with getting your money back. If they recover, you get your money back and potentially remove the bad mark from the driving record.

Hopefully this will be claimed under uninsured or under insured motorist (if you paid for that). The insurance company will then use their own resources to get their money back from the at fault party.

But let's say you didn't have uninsured motorist because you fail to realize how many people don't have insurance? Well - Texas requires auto insurance to have something called "personal injury protection". The state mandated amount is $2,500 - available for every claim. That should also be available to you, and they can attempt to reclaim it from the at fault side. If you turned down PIP, you signed something saying that you understand that the law requires it, but you didn't want it anyway.

If all 3 of these insurance claims didn't go through, then just offer to pay, because otherwise it'll go to collections where they'll try really hard since they're making pennies on the dollar.

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Not 100% clear what you are asking...also, this happened in GA. The claim and accident happened while I had a State Farm policy. The at fault driver gave the cop a policy number that turned out to be expired, so when they totaled my daughters car, it was filed under my uninsured motorist. The hospital bill came up weeks later. I kept asking State Farm to handle it and fight it, but apparently they chose not too or something. I dropped them a few months later...probably a year after the accident.
It is in collections now, so I probably can't negotiate with the hospital at this point.

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you can still raise hell with state farm for not dealing with it to begin with. call first and then use social media if you have too.

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Don't forget to use my attorney will be calling you if you don't take care of this.

Aggie95 said:

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Long story short…daughter was involved in a car accident 2 years ago and was not at fault. She had some minor neck pain and headache so we went to the hospital as a precaution.
Days later we find out the driver had given expired auto insurance (State Farm). We later get a bill that I sent my auto insurance, also State Farm to cover the $900 hospital bill. Turns out they never did and they are coming after us daily. Do they do this to illegals that inundate hospitals?

Maybe I'm in the wrong and should just pay it, but since this was part of the accident, I don't feel responsible to pay out of my pocket.

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I think you should pay the hospital and then fight your insurance company. Why should the hospital do this stuff for free?

docb said:

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Aggie95 said:

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Long story short…daughter was involved in a car accident 2 years ago and was not at fault. She had some minor neck pain and headache so we went to the hospital as a precaution.
Days later we find out the driver had given expired auto insurance (State Farm). We later get a bill that I sent my auto insurance, also State Farm to cover the $900 hospital bill. Turns out they never did and they are coming after us daily. Do they do this to illegals that inundate hospitals?

Maybe I'm in the wrong and should just pay it, but since this was part of the accident, I don't feel responsible to pay out of my pocket.

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I think you should pay the hospital and then fight your insurance company. Why should the hospital do this stuff for free?

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Why? Then you have lost the pressure the hospital can place on insurance which was required to cover it. If the hospital wants payment, they need to bill state farm. Never accept fault and pay first, thats how you lose money. Make insurance fight the hospital and claims, you can fight insurance.

samurai_science said:

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Ignore the calls, it's what illegals do

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On the cell phones the Biden administration gave them!

docb said:

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Aggie95 said:

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Long story short…daughter was involved in a car accident 2 years ago and was not at fault. She had some minor neck pain and headache so we went to the hospital as a precaution.
Days later we find out the driver had given expired auto insurance (State Farm). We later get a bill that I sent my auto insurance, also State Farm to cover the $900 hospital bill. Turns out they never did and they are coming after us daily. Do they do this to illegals that inundate hospitals?

Maybe I'm in the wrong and should just pay it, but since this was part of the accident, I don't feel responsible to pay out of my pocket.

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I think you should pay the hospital and then fight your insurance company. Why should the hospital do this stuff for free?

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Dumb

austinAG90 said:

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docb said:

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Aggie95 said:

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Long story short…daughter was involved in a car accident 2 years ago and was not at fault. She had some minor neck pain and headache so we went to the hospital as a precaution.
Days later we find out the driver had given expired auto insurance (State Farm). We later get a bill that I sent my auto insurance, also State Farm to cover the $900 hospital bill. Turns out they never did and they are coming after us daily. Do they do this to illegals that inundate hospitals?

Maybe I'm in the wrong and should just pay it, but since this was part of the accident, I don't feel responsible to pay out of my pocket.

---

I think you should pay the hospital and then fight your insurance company. Why should the hospital do this stuff for free?

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Dumb

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So the doctor/hospital should eat the costs? If you think this then you are no better than the illegals not paying.

docb said:

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austinAG90 said:

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docb said:

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Aggie95 said:

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Long story short…daughter was involved in a car accident 2 years ago and was not at fault. She had some minor neck pain and headache so we went to the hospital as a precaution.
Days later we find out the driver had given expired auto insurance (State Farm). We later get a bill that I sent my auto insurance, also State Farm to cover the $900 hospital bill. Turns out they never did and they are coming after us daily. Do they do this to illegals that inundate hospitals?

Maybe I'm in the wrong and should just pay it, but since this was part of the accident, I don't feel responsible to pay out of my pocket.

---

I think you should pay the hospital and then fight your insurance company. Why should the hospital do this stuff for free?

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Dumb

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So the doctor/hospital should eat the costs? If you think this then you are no better than the illegals not paying.

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Wrong. It's not unethical. They did nothing wrong and the insurance company has the responsibility to pay. Just because another party comes to you does not mean that you are duty bound to pay them out of your pocket when you are clearly covered by a policy.

docb said:

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austinAG90 said:

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docb said:

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Aggie95 said:

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Long story short…daughter was involved in a car accident 2 years ago and was not at fault. She had some minor neck pain and headache so we went to the hospital as a precaution.
Days later we find out the driver had given expired auto insurance (State Farm). We later get a bill that I sent my auto insurance, also State Farm to cover the $900 hospital bill. Turns out they never did and they are coming after us daily. Do they do this to illegals that inundate hospitals?

Maybe I'm in the wrong and should just pay it, but since this was part of the accident, I don't feel responsible to pay out of my pocket.

---

I think you should pay the hospital and then fight your insurance company. Why should the hospital do this stuff for free?

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Dumb

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So the doctor/hospital should eat the costs? If you think this then you are no better than the illegals not paying.

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It's the insurance company's responsibility, and to a fault the hospital for not following up on their billing. Has nothing to do with illegals, that is another issue. One X post @statefarm and a call to the Texas Insurance Dept will take care of it.

austinAG90 said:

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docb said:

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austinAG90 said:

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docb said:

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Aggie95 said:

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Long story short…daughter was involved in a car accident 2 years ago and was not at fault. She had some minor neck pain and headache so we went to the hospital as a precaution.
Days later we find out the driver had given expired auto insurance (State Farm). We later get a bill that I sent my auto insurance, also State Farm to cover the $900 hospital bill. Turns out they never did and they are coming after us daily. Do they do this to illegals that inundate hospitals?

Maybe I'm in the wrong and should just pay it, but since this was part of the accident, I don't feel responsible to pay out of my pocket.

---

I think you should pay the hospital and then fight your insurance company. Why should the hospital do this stuff for free?

---

Dumb

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So the doctor/hospital should eat the costs? If you think this then you are no better than the illegals not paying.

---

It's the insurance company's responsibility, and to a fault the hospital for not following up on their billing. Has nothing to do with illegals, that is another issue. One X post @statefarm and a call to the Texas Insurance Dept will take care of it.

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Well at least y'all get a feeling of why health care costs are so high. I really can't think of a single other business that has to eat so much costs. The problem is with the insurance companies and the unfunded that drive this up. The reform needs to take place there. Honestly this is one of the main reasons I no longer pull trauma call at the hospital. In the end everyone likes to get paid for their services. I don't see how anyone could argue against that.

flown-the-coop said:

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I just inherited about 200 pounds of coins from my mom. Thinking about giving the grandkids their gifts in pennies and nickel / quarter collection.

They can spend Christmas day learning to count and make change.

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I have some really old pennies some back to the 1920s and 40s. I've looked them up and they're not expensive ones unfortunately but was given this little booklet to put them in and used to do it as a kid. Of course in the 70s it was easier to get pennies from the 30s and 40s.

I got it out the other day and looked at it and it is interesting. I'll keep looking through it to see if there's one that's actually worth anything but so far maybe 6 to 9 dollars apiece. So more than they were originally.

Aggie97 said:

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agracer said:

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Aggie95 said:

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Dawnguard said:

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just to be clear:

you're trying to submit a claim on an expired policy? 'cause state farm will just ignore you and say they have no ownership.

So then, once finding out the other insurance isn't paying, you submit to your claim to your own insurance company. There's a whole department called subrogation that just works with getting your money back. If they recover, you get your money back and potentially remove the bad mark from the driving record.

Hopefully this will be claimed under uninsured or under insured motorist (if you paid for that). The insurance company will then use their own resources to get their money back from the at fault party.

But let's say you didn't have uninsured motorist because you fail to realize how many people don't have insurance? Well - Texas requires auto insurance to have something called "personal injury protection". The state mandated amount is $2,500 - available for every claim. That should also be available to you, and they can attempt to reclaim it from the at fault side. If you turned down PIP, you signed something saying that you understand that the law requires it, but you didn't want it anyway.

If all 3 of these insurance claims didn't go through, then just offer to pay, because otherwise it'll go to collections where they'll try really hard since they're making pennies on the dollar.

---

Not 100% clear what you are asking...also, this happened in GA. The claim and accident happened while I had a State Farm policy. The at fault driver gave the cop a policy number that turned out to be expired, so when they totaled my daughters car, it was filed under my uninsured motorist. The hospital bill came up weeks later. I kept asking State Farm to handle it and fight it, but apparently they chose not too or something. I dropped them a few months later...probably a year after the accident.
It is in collections now, so I probably can't negotiate with the hospital at this point.

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you can still raise hell with state farm for not dealing with it to begin with. call first and then use social media if you have too.

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Don't forget to use my attorney will be calling you if you don't take care of this.

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This is the 100% correct answer. This works every time to speed things up and get the insurance to start doing their job.

My wife has been rear ended twice. Both times she was pregnant. Both times Allstate tried to drag it out until the magic words were said, "I'm pregnant and I need to call my attorney."

Logos Stick said:

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Call them and ask how much to settle it right then and there. They will reduce it. I've done that before and gotten it dramatically reduced



BTW, if you are a lefty, pay the whole thing to make up for your illegals who suck this country dry!

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One guy told me that what he does is pay it off like $5 per month until they make a fantastic offer to settle it all at once. I think his target was something like 25% or less of the amount.

docb said:

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austinAG90 said:

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docb said:

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austinAG90 said:

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docb said:

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Aggie95 said:

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Long story short…daughter was involved in a car accident 2 years ago and was not at fault. She had some minor neck pain and headache so we went to the hospital as a precaution.
Days later we find out the driver had given expired auto insurance (State Farm). We later get a bill that I sent my auto insurance, also State Farm to cover the $900 hospital bill. Turns out they never did and they are coming after us daily. Do they do this to illegals that inundate hospitals?

Maybe I'm in the wrong and should just pay it, but since this was part of the accident, I don't feel responsible to pay out of my pocket.

---

I think you should pay the hospital and then fight your insurance company. Why should the hospital do this stuff for free?

---

Dumb

---

So the doctor/hospital should eat the costs? If you think this then you are no better than the illegals not paying.

---

It's the insurance company's responsibility, and to a fault the hospital for not following up on their billing. Has nothing to do with illegals, that is another issue. One X post @statefarm and a call to the Texas Insurance Dept will take care of it.

---

Well at least y'all get a feeling of why health care costs are so high. I really can't think of a single other business that has to eat so much costs. The problem is with the insurance companies and the unfunded that drive this up. The reform needs to take place there. Honestly this is one of the main reasons I no longer pull trauma call at the hospital. In the end everyone likes to get paid for their services. I don't see how anyone could argue against that.

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My brother had emergency surgery to remove his gall bladder removed about 15 years ago. He is self-employed and self-in insured. When they gave home the bil, he said he was going to pay cash. They immediately cut his bill in half and even offered to let him pay in installments. I know of no other business model that offers a 50% cash discount.

I mentioned above I had a medical procedure that is now encountering billing snafus. The anesthesiologist sent me a bill and said I could pay it online. I went online to pay it, and amount due was different from (more than) the paper bill. I paid the paper bill amount. Two weeks later I got another bill from them for an even larger amount. Both of these bills differ from the statement of benefits I received from my insurance company. This procedure was pretty routine, and my carrier is fairly common (not like JimbobMutual of Mars), yet these asshats can't get their records straight. I have little sympathy for insurance companies or larger medical enterprises.

America is administrative hell hole.

Pay it and move on. Think of it as money spent to never have to worry about this again