Do you have to prove your health insurance coverage in order to have car insurance?

[Kitty 34]

We've had AAA for over 20 years and I never remember having to discuss our health insurance policies with them so I was confused when my DH got a letter stating the following:

"Your auto ins premium is based in part on your health insurance. To ensure you are properly covered please complete the survey below......"

The survey continues to ask yes or no do we even have insurance; our policy #s, are we employed, etc etc.

Finally if we fail to answer this survey will result in the removal of our discounts. (what discounts??)

I know I can call AAA which we will do tomorrow but just want your thoughts on this.

ETA.......I'm from mid-Michigan.

 

[Mizzoufan]

No, I have never heard of such a thing. I think nonsense. I don't see what they have to do with each other.

 

[disneychrista]

I know you can add OPTIONAL medical coverage on your auto insurance to cover injury due to an accident but other than that I don't see why your health insurance would affect your auto insurance.

 

[Christine]

I've never been asked.

 

[Kitty 34]

I know you can add OPTIONAL medical coverage on your auto insurance to cover injury due to an accident but other than that I don't see why your health insurance would affect your auto insurance.

The letter didn't ask us if we wanted optional medical coverage.

 

[okeydokey]

No. What state are you in?

 

[Skippy918]

I know AAA sends out a lot of marketing mail. Could it be that? I get life insurance mailings that look official but it’s really junk mail.

 

[Kitty 34]

No. What state are you in?

If you press someone's avatar it will tell you where they're from if they put the info down. I'm from Michigan.

 

[dish rag]

No. But it makes sence if you think about it a certain way.

 

[mjkacmom]

Dd21 was in a bad car accident. The hospital and ambulance needed to submit the bill to Geico first and have them not pay (because they are our secondary insurance in an accident), and after the claim is denied, they will submit the bill to our health insurance company. I imagine that if we didn’t have health insurance, Geico would be on the hook.

 

[tvguy]

If you press someone's avatar it will tell you where they're from if they put the info down. I'm from Michigan.

Only if they have put their state in

 

[tvguy]

Never had to tell my auto insurance carrier if I had health insurance.

Like everyone, I HAVE had to include proof of health insurance when filing my income taxes, as required by the Affordable Healthcare Act, otherwise you have to pay the tax penalty if you don't .

 

[Mizzoufan]

Only if they have put their state in

That what she said if they put their if down

 

[NinaBella]

This is a state specific questions. Some states do ask if your health insurance is a qualified plan. For us to answer we would need to know the stare your auto insurance is based in.

 

[NinaBella]

If you press someone's avatar it will tell you where they're from if they put the info down. I'm from Michigan.

I was guessing Michigan. Yes, that is a valid question for Michigan Auto Insurance.

Here Is some info.
https://www.thebalance.com/requirements-for-auto-insurance-in-michigan-527047

If your health insurance plan is a qualified plan, there is a reduction in your auto premium.

 

[usnuzuloose]

Jew have AAA and never been asked that. Call your office and ask them if they sent it out.

 

[LYSE]

No more often then not they tack on medical coverage for you in case the other party is under/uninsured, perhaps you have this coverage but they are betting they will only need to pay your share (after insurance) costs.

 

[Mackenzie Click-Mickelson]

We've had AAA for over 20 years and I never remember having to discuss our health insurance policies with them so I was confused when my DH got a letter stating the following:

"Your auto ins premium is based in part on your health insurance. To ensure you are properly covered please complete the survey below......"

The survey continues to ask yes or no do we even have insurance; our policy #s, are we employed, etc etc.

Finally if we fail to answer this survey will result in the removal of our discounts. (what discounts??)

I know I can call AAA which we will do tomorrow but just want your thoughts on this.

You're from Michigan (if I read your profile correctly). Michigan does have Health Insurance requirements for auto insurance and is part of the reason rates can be very high up there since they have a unique structure. That requirement is unique to Michigan as far as the states I dealt with. You're getting a reduction in premium basically though AAA may actually have their rates structured so that it is an outright discount.

This was some information I found online as it's been a while since I've had to deal personally with Michigan on that.



Basically you're shifting the immediate and initial risk of medical coverage away from your auto insurance company to your health insurance company and because of this your auto insurance company is giving you a reduction in premium. If you want them to take on the whole risk of your medical expenses your auto insurance company will take that into consideration when it comes to your rates.

I would def. contact AAA though since I'm rusty on in-depth auto insurance stuff...I would always recommend contacting and discussing insurance stuff directly with your company anyways

 

[Klayfish]

Michigan's auto insurance laws are distinctly different than the other 49 states, so it's not surprising it's tied to health insurance.

 

[Kitty 34]

I know AAA sends out a lot of marketing mail. Could it be that? I get life insurance mailings that look official but it’s really junk mail.

It's not junk. There's another letter attached saying because our policy included Coordinated Medical Benefits we are receiving this survey. Apparently it has to do with who will pay first in auto injuries.....our health insurance or them. Never even heard of this

You're from Michigan (if I read your profile correctly). Michigan does have Health Insurance requirements for auto insurance and is part of the reason rates can be very high up there since they have a unique structure. That requirement is unique to Michigan as far as the states I dealt with. You're getting a reduction in premium basically though AAA may actually have their rates structured so that it is an outright discount.

This was some information I found online as it's been a while since I've had to deal personally with Michigan on that.
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Basically you're shifting the immediate and initial risk of medical coverage away from your auto insurance company to your health insurance company and because of this your auto insurance company is giving you a reduction in premium. If you want them to take on the whole risk of your medical expenses your auto insurance company will take that into consideration when it comes to your rates.

I would def. contact AAA though since I'm rusty on in-depth auto insurance stuff...I would always recommend contacting and discussing insurance stuff directly with your company anyways

Thank you for your helpful information. Because DH and I have switched insurances in the past couple of years (retirement related) I'm just surprised they have never asked about the info before.