What to do if I was at fault for a rear-end accident and my car insurance paid the other driver's Medpay of 5K but my health insurer is denying medical bills because I was committing an illegal act?
Question Details: They are saying that I was speeding. My police report states not in excess of speed. I was ticketed for failure to reduce speed. I live in IL an at fault state. Do I have a fighting chance of getting these bills paid?
You write that you were ticketed for speeding. It is very difficult to beat a speeding ticket, because there is no permanent documentary evidence made of your speed (e.g. it's not as if the officer's radar or laser gun, for example, is linked to a videocamera and creates a video of your car with speed listed). Instead, it comes down to your word vs. the officer's word as to how fast you were going. As you can imagine, the courts almost always believe the sworn, trained, and "neutral" (no personal stake in the outcome) officer over the driver trying to avoid a ticket. That being the case, you are unlikely to have the speeding citation dismissed, so if speeding is the reason for the denial, you are unlikely to get that overturned.