Why do you think that it matters whether your policy or the vehicle owner's policy paid? Either way, the bills were paid twice.



In any case, since I have not read your policy, I can't tell if you owe the health insurance company money or not. But it certainly can't be ruled out as a possibility. It's even likely.



Are you perhaps under the impression that you get to keep the money from the other vehicle owner? Because that's not the way it works.