Some auto insurance policies mandate that health insurance pays for medical bills, while others require auto insurance to cover these costs. To know your policy type, examine your auto insurance policy, specifically your "insurance declaration pages." If these pages are missing, you can request a copy from your insurance agent.
One key point is to ensure that your medical service providers bill the correct insurance company. To prevent miscommunication and unnecessary delays in payment, contact all your healthcare providers and advise them on the correct insurance company to bill.
Furthermore, keep track of all the documents you submit to the insurance company and when you submitted them. It is beneficial as it compels the insurance company to settle the bill, and if they don't, you may recover interest and attorney fees on the unpaid bill.
Remember, the insurance company is out to safeguard their interest. They might resort to various tactics to avoid or limit payment of your medical bills, such as ordering independent medical examinations with their chosen doctors, requesting your past medical records, or even accusing you of fraud for any minor inaccuracies in your insurance application.
To safeguard your interests, consider consulting with a lawyer who can help anticipate these issues. The more informed you are, the better control you have over your situation. You're entitled to this control.