Does health insurance cover car accident injuries?

When should I use auto insurance vs. health insurance to pay for car accident injuries?

Your provider will typically ask for your health and auto insurance information when you seek medical treatment for injuries related to a car accident. Payment may ultimately depend on your particular coverages, the circumstances of your accident, your state's laws, and if you have private health insurance, Medicare, or Medicaid.

How does auto insurance cover car accident injury bills?

Here's how your auto insurance coverages might work to cover your injury costs, depending on your state's laws and which coverages you have:

• Medical payments coverage: MedPay can cover medical bills for you and your passengers after a car accident, regardless of whether it's an at-fault or no-fault accident.
• Personal injury protection (PIP) coverage: PIP can help pay for your medical expenses and lost wages resulting from a car accident, regardless of fault. Your passengers' medical bills may also be covered.
• Other at-fault party's liability coverage: If the other party is at fault, they may have liability coverage that can help pay medical bills for you and your passengers, as well as damage to your vehicle.
• Uninsured/underinsured motorist (UM/UIM) coverage: If the other party is at fault but has little or no insurance, UM/UIM coverage can help pay for injuries suffered by you and your passengers, as well as damage to your vehicle.

If you suffer an injury in a car accident, contact your insurer as soon as possible to start a claim and discuss how your auto insurance coverages may apply.

How to submit medical bills to auto insurance

If you've suffered an injury in a car accident and you have applicable auto insurance coverage, you should start a claim. You'll work with the adjuster to ensure all necessary bills and records are forwarded to your auto insurer. The insurance adjuster for your auto accident claim will review the paperwork and ask for more information if needed. They will fully or partially reimburse the appropriate party, or deny the claim.