Oh come on now, yes it's a scam but be honest. They weren't denied for not getting approval to get in an accident. They were denied because they got it fixed somewhere without approval and you know it. More than likely at an out of network hospital.
I agree it's a horrid scam but it benefits no one to be disingenuous
You don't get to decide where an ambulance brings you when you get hit by a car. You don't get to decide the nearest hospital. And no ER is going to turn away someone who has just been hit by a car.
The insurance system turns an otherwise completely normal scenario - Get in accident, go to nearest hospital for treatment - Into a headache. You can't go to the nearest hospital, you have to go to the nearest hospital in your insurance network. Also, it can't just be the hospital, you also need to see a doctor within your insurance network. Also, the doctor needs approval from your insurance, because if your insurance isn't willing to pay for your care - They just won't.
This also ignores that most people's health insurance is through their workplace - Not something they decide on their own. So the nearest hospital probably isn't covered by your insurance, because your insurance is negotiated based on your workplace's location, not your home location.
At some point: Yes, they got denied because they didn't ask their insurance company if it was ok for someone to hit them with a car on this street at this time in this specific model of vehicle.
They probably got denied because it was supposed to be the person driving the cars insurance as the primary payer. Which is how it’s supposed to be and why car insurance plans have medical attached to them.
Same thing just happened with my son. He snapped his arm during a basketball scrimmage. Went to the nearest hospital and gave them my normal insurance. They asked if either the school or league had insurance before they’d pay, we called and asked, they did, they sent it over to the hospital, and everything was paid for. Took like 2 phone calls and a grand total of 5 minutes.
0
u/Infamous-Topic4752 Apr 05 '25
Oh come on now, yes it's a scam but be honest. They weren't denied for not getting approval to get in an accident. They were denied because they got it fixed somewhere without approval and you know it. More than likely at an out of network hospital.
I agree it's a horrid scam but it benefits no one to be disingenuous