CARC 20: This injury/illness is covered by the liability carrier
Your health insurer says another party's liability insurance — like an auto or homeowner's policy — should pay for this care.
What this means for your claim
When an injury results from an accident where someone else may be at fault, the liability carrier (for example, the at-fault driver's auto insurance) is often the primary payer. Your health plan can deny on this basis until the liability claim is resolved.
What to do next
- 1
If a liability claim is open (auto accident, slip-and-fall), provide your health insurer with the liability carrier's claim information.
- 2
If no liability coverage applies, write to your health insurer explaining that there is no third-party carrier and request the claim be processed under your health plan.
- 3
Ask your provider to hold billing while the correct payer is determined, and keep records of all correspondence.
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