The South Carolina Supreme Court reversed the court of appeals and ruled that Progressive Northern Insurance Company owes only the $1,323.60 actually paid by Medicaid, not the full $10,000 Medpay policy limit. The court held that "expenses incurred" means the amount the insured is actually obligated to pay after all reductions and agreements, not the originally billed charges of $27,786.17. This ruling overturns two lower court decisions that had interpreted the policy term ambiguously and adopted the interpretation most favorable to the insured.
Priority reviewEnforcementInsurance
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