Whose insurance covers medical bills?

by Michelle

My daughter was injured in school during a required class activity. The school called an ambulance and my daughter was transported to the hospital. I was told the school's insurance would cover the ambulance and my insurance had to cover the balance of her medical care, including the ER visit, doctor's visits and the physical therapy she required after.

Now I am receiving a demand from the city stating I am responsible for the ambulance. Who should be covering these bills? Do I have to get a lawyer to sort this out? Thanks for any clarification you can provide.

Visitor Question:
Disclaimer: Information provided in our response is NOT formal legal advice. It is generic legal information based on the very limited information provided. Under no circumstances should the information in our response, or anywhere else on this site be relied upon when deciding the proper course of a legal matter. Our response does NOT create an attorney-client relationship. Always get a formal case review from a licensed attorney in your area.

ANSWER for "Whose insurance covers medical bills?":

Michelle (Utah):

The first question is, who told you the school's insurance would cover the ambulance cost? You don't identify that person. If a school official told you the ambulance cost would be covered, then you have a right to insist the school pay for the ambulance costs. A school official can include a principal, a teacher, or administrator.

Injuries happen all the time in schools across the country. They occur during sporting activities, on class trips, and even in classrooms. Most injuries are relatively minor, and can include abrasions, contusions, minor burns, and even fractured bones occurring during sporting activities.

School districts are generally not legally bound to pay for the medical bills and related costs resulting from a school activity, unless there is evidence of gross negligence or a wanton disregard for the student's well-being (or evidence the injury was purposely inflicted or resulted from malice).

In your daughter's case there appears to be no evidence the school, nor any of its teachers or employees were negligent. As a result, your daughter's medical bills and related costs must be borne by you.

It will be very difficult to find an attorney who will accept a case involving a dispute over an ambulance bill. There is just not enough compensation to make it worth the attorney's time and effort.

Even if you were to find an attorney to accept the case, you would very likely have to pay him or her on an hourly basis. You can be confident a few hours of an attorney's time would be in excess of the ambulance bill itself.

Read more about school injuries in Utah here:
Violence and Injury Prevention Program - Student Injuries

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from an attorney licensed in your state. Find a local attorney to give you a free case review here, or call (888) 647-2490.

Best of luck,

Judge Calisi

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