Most health insurance plans cover medical bills for injuries sustained in vehicle accidents, but restrictions will apply according to individual policy provisions and limits.

Does Health Insurance Cover Car Accidents?

Generally, health insurance policies cover medical expenses for car accident injuries, but limitations may apply based on policy restrictions like co-pays and deductibles, type of car insurance coverage, and fault for the accident. Insurance providers will examine all of these factors to determine their amount of liability on a car accident claim before making any payments on behalf of a policyholder.

Auto Insurance Policies Pay First

When a car accident occurs, the driver’s auto insurance takes priority for claims, since all drivers are required to have basic liability car insurance coverage. While liability coverage can vary significantly between states, most medical bills related to car accidents are paid up to the at-fault driver’s policy limits.

PIP and MedPay

PIP and MedPay are types of car insurance used in no-fault states that pay for medical bills following car accidents. PIP covers medical bills and lost income, while MedPay covers only medical bills. Typically, MedPay is sold as a less expensive alternative or an add-on to PIP coverage.

When a driver’s auto policy includes personal injury protection (PIP) and medical payments (MedPay), medical bills for car accident injuries are typically paid, regardless of who’s at fault for the accident. PIP and MedPay do not have out-of-pocket deductibles, so medical expenses are paid as long as they don’t exceed PIP or MedPay coverage limits. In Illinois, PIP is not available to drivers since Illinois is an at-fault state, but drivers can add MedPay coverage to their auto policies.

Health Insurance Policies Pay Second

Health insurance does pay for car accident injuries. However, claims should be filed through a personal injury lawyer or health insurance provider second. When a health insurance provider pays for medical bills first, they will simply turn around and file a claim against the car insurance company.

Hospitals, doctors, and ambulance services don’t require upfront payments to treat serious or life-threatening injuries, but they do require insurance information to pursue reimbursement. When emergency medical care is provided immediately following a car accident to protect the patient from harm, care providers may work with the patient’s personal injury lawyer and the patient’s insurance providers to arrange necessary reimbursement for medical services provided. Reimbursement may be full payment or payment arrangements over a designated time period. 

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