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Learn how health insurance and auto insurance cover car accident injuries, medical bills, and expenses after an auto accident. Get clear answers.
In many cases, health insurance will pay for car accident injuries, unless your policy contains specific exclusions. You, however, will be responsible for any deductibles.
If you have MedPay or PIP with your auto insurance, they typically pay first, followed by your health insurance coverage. If the at-fault driver has liability insurance, your health insurer may be reimbursed following a settlement.
When you are injured in a car accident, the question of who will pay your medical bills can be overwhelming.
This article explains how health insurance and auto insurance work together when it comes to car accident injuries and how a personal injury lawyer or car accident attorney can help.
Understanding how your health insurance may cover car accident injuries can help you avoid financial surprises and get the care you need.
When you are injured in a car accident, the first priority is your medical care—but medical treatment can be costly. Ambulance rides, emergency room visits, surgeries, and ongoing care can create large medical bills.
If you have health insurance, you may wonder if it will help pay for your medical expenses related to the car accident.
Medical bills after a car accident can include a wide range of costs, including:
In most cases, your health insurance plan will cover medical expenses resulting from a car accident injury. Many health insurance plans do not exclude car accident injuries, so they may cover medical treatments as they would for any other illness or injury.
Health insurance can cover:
However, some policies may have special rules or exclusions related to car accidents. It is always best to check with your health insurance provider.
Your auto insurance and health insurance may both help pay for your medical expenses after a car accident.
Auto insurance policies often include Medical Payments Coverage (MedPay) or Personal Injury Protection (PIP). These coverages can help pay for medical expenses, regardless of who was at fault for the accident.
If you have MedPay or PIP:
This coordination helps cover medical costs without leaving you responsible for large bills.
Many health insurance plans allow you to use your coverage for injuries from a car accident. You can use your own health insurance to pay for medical treatment even while your accident claim is being processed.
Benefits of using health insurance include:
However, your health insurer may seek reimbursement later from any settlement or payout you receive from an auto insurance claim. This process is called subrogation.
Health insurance typically covers a wide range of medical care. After a car accident, your health insurance may pay for:
Your health insurance plan may also cover long-term care if your injuries result in ongoing medical needs.
Auto insurance may pay first if:
When your auto insurance pays first, it may reduce the amount your health insurance needs to cover. This can lower your deductibles, co-pays, and out-of-pocket expenses.
In some situations, health insurance may initially refuse to pay for medical bills after a car accident. This usually happens when:
If your health insurance refuses to pay, you should:
Insurance companies often coordinate payments through a process called coordination of benefits (COB). This ensures that:
Typically, auto insurance (MedPay or PIP) pays first, followed by your health insurance coverage. If the at-fault driver has liability insurance, it may reimburse your health insurer later.
Deciding whether to use auto insurance or health insurance depends on your specific situation:
Use Auto Insurance First When:
Use Health Insurance First When:
In many cases, you may use both types of insurance together to cover all medical expenses.
Navigating insurance coverage after a car accident can be complex. A car accident lawyer can help you:
If you are injured in a car accident and face complicated insurance issues, contacting an experienced car accident attorney can help ensure you receive the full compensation you deserve.
Contact The Sorenson Law Firm for assistance at 480-839-9500 or visit us at 950 W Elliot Rd Suite 226, Tempe, AZ 85284.
