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Home > Blog > Does Health Insurance Cover Injuries from a Car Accident?
FRIDAY, APRIL 30, 2021

Does Health Insurance Cover Injuries from a Car Accident?

Does Health Insurance Cover Injuries from a Car Accident?

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As a rule, health insurance won’t cover injuries you suffer in an accident. This is because auto insurance policies have their own coverage for car accidents known as medical payments coverage or, in some states, personal injury protection. These insurance policies will cover injuries you or your passengers face after an accident no matter who is at fault, meaning your health insurance won’t need to step in. 

There are some exceptions, however. 

Your health insurance can cover your medical bills following a car accident, but it depends on several factors, and it might not come to that. Here's what you need to know:  

  • Liability is the only form of car insurance required in most states.  

  • The responsible party's liability protection will cover the entirety of the other party's medical expenses in more cases than not.  

  • In a no-fault state, where each driver's insurance pays for their own losses, it is still going to generally be your car insurance policy that pays for the damages, not your health insurance.  

So, when does your health insurance kick in for medical expenses relating to an auto accident?  

Generally, you're not going to see your health coverage paying for any medical costs unless you live in a no-fault state and you've hit the limits of your car insurance policy's coverage for medical coverage. At that point, your health insurance should kick in and start paying for the costs that go over the limit.  

In some ways, insurance is sort of a general fund for expenses. That is, your car insurance will pay for auto accidents. But it doesn't just insure your car. It also insures any expenses arising in relation to your car. Likewise, your business insurance doesn't just protect your business. It also covers anything that happens in relation to your business.  

 

Health insurance is sort of an oddity here because it is named specifically for what it protects. Your car insurance can pay for your medical costs, but your medical coverage cannot pay for your car.  

In short: Your health insurance can pay for costs resulting from an auto accident, but that is unlikely to happen. If you want to make sure that your health will be taken care of following an accident, you should take a moment to see what provisions are offered by your auto insurance policy.  

 

Any questions you have about your coverage can be answered by your insurance provider, so be sure to ask for clarification before an accident occurs. 


Posted 5:45 PM

Tags: health insurance
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