Does Health Insurance Cover Car Accident Injuries?

Auto Accidents and Health Insurance FAQ

Does Health Insurance Cover Car Accident Injuries?

Many victims of car accidents have wondered if health insurance can cover the kind of accident they’ve suffered. Typically, health insurance can compensate victims for their medical bills for such accidents. However, some restrictions or fine print may apply, so it’s crucial to learn all the basics of health insurance and what kind of coverage you can expect in case of a car accident. Turns out it’s not so easy to answer whether health insurance can cover car accident injuries. Hopefully, the following article will shed some light on the matter.


Auto Insurance Companies Come First

In case of a car accident, the auto insurance company is the first to take priority for all sorts of claims. That’s because both parties must have some kind of car insurance. Liability coverage types vary significantly from state to state, there’s something they all share in common: bills that cover car accident injuries typically don’t exceed the at-fault driver’s policy limit. So, if you’ve sustained injuries in a car accident, you should expect liability insurance to step in first before you can make any other claims.



Learn How to Submit a Claim

In case you have working car insurance coverage, you can start a claim to receive compensation for your injuries. Remember that claims aren’t automatically approved. Moreover, even if your claim is approved, you might not receive full reimbursement for your medical expenses.


If you’re planning to file a claim, you should supply your healthcare provider with relative auto insurance information and your health insurance details. Then, you should provide your car insurance provider with the relevant information. They’ll inform you of what kind of additional paperwork you’ll need to submit.


How Is the Reimbursement Paid Off?

Typically, the auto insurance company can act in one of several ways, depending on what type of coverage you have.


Option 1: Reimbursement for medical payments

MedPay is an optional type of auto insurance coverage. It pays for medical bills and several other kinds of expenses. With MedPay, it doesn’t matter whether you’re the at-fault party or the victim. Remember that this type of optional auto insurance coverage might not be available throughout the US.


Option 2: PIP coverage

Personal injury protection, better known as PIP coverage, is used for reimbursements on medical expenses, as well as lost wages resulting from a car crash. Again, the coverage doesn’t look into which is the at-fault party.


Option 3: UM coverage

Uninsured motorist coverage allows victims of car accidents to cover their medical expenses when the at-fault party doesn’t have sufficient liability coverage for their expenditures.


Whatever kind of coverage you have, it’s crucial that you contact your insurer as soon as possible in case of a car accident. If the whole thing seems too challenging to handle alone, now you can find all the legal assistance you need at LegalChiefs.



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