Can Your Health Insurance Pay For Your Medical Bills After a Car Accident?

Share This:

Key Points:

  • Using your private health insurance after a car accident cuts down on your out-of-pocket expenses from the accident.
  • Your private health insurance will likely cover your medical costs even if you are at fault in a car accident because healthcare policies generally cover injury regardless of how it occurs.
  • If you later receive a settlement or judgment to cover your medical bills, your health insurance company can request reimbursement for any expenses they covered.

Questions Answered:

  • Should I Provide My Insurance Information at the Hospital?
  • Where Will the Hospital Send the Medical Bills?
  • Will My Insurance Company Pay for My Medical Expenses Due to a Car Accident?
  • If I Win a Settlement or Judgement That Includes Medical Reimbursement, Do I Get to Keep the Money?
  • Will My Health Insurance Pay for My Medical Bills Even If I Am-Fault for the Accident?
  • If I Don’t Have Health Insurance, but I Have Medical Coverage as Part of My Car Insurance Policy, Will My Car Policy Pay for My Medical Expenses Even If I Am At Fault?
  • What Happens If I Get More Medical Bills After I Accept a Settlement?

After a car accident, it can be incredibly overwhelming to figure out who will pay your medical bills, particularly when there are multiple insurance policies and companies at play.

Is it your health insurance, your car insurance, or the other driver’s insurance that covers the expenses? This article aims to answer common questions about how health insurance works after an accident.

Should I Provide My Health Insurance Information at the Hospital?

If you visit a hospital after a car accident, you should provide your private health insurance information, if you have it. Providing your health insurance will often save you money out-of-pocket, as your coverage will pay for the care. It is important to note that you will still be responsible for any co-pays you would normally pay on doctor or hospital visits.

Where Will the Hospital Send My Medical Bills?

If you give the hospital your private health insurance, they will most likely send the medical bills directly to your health insurance company. Your health insurance will then send you a copy of the statements, what the health insurance paid, and any cost you may be responsible for covering.

Will My Health Insurance Company Pay for My Medical Expenses Due to a Car Accident?

Your health insurance company will most likely pay your medical bills according to the terms of your insurance policy. If you later receive a settlement or judgment against the other driver, then your health insurance provider may ask you to reimburse them for the costs they covered. If you also have medical coverage on your car insurance policy, your health insurance provider may try to make the car insurance policy cover the costs instead.

If I Win a Settlement or Judgement That Includes Medical Reimbursement, Do I Get to Keep the Money?

After your car accident, if you provided your health insurance at any doctor or hospital visits, then your coverage likely paid for the related medical care you received. If you do not move forward with or win a lawsuit, then you will usually not be required to pay these costs back. However, if you do receive a settlement or judgment in your favor that is meant to compensate you for medical bills, your health insurance may be entitled to reimbursement.

Will My Health Insurance Pay for My Medical Bills Even If I Am-Fault for the Accident?

Most health insurance policies cover medical bills regardless of how your injuries occurred. Even if you were found to be at-fault in a car accident, your health insurance should cover your medical expenses according to your policy.

If you later receive reimbursement for your medical care through a settlement or judgment, then you may be required to pay your health insurance provider back.

If I Don’t Have Health Insurance, but I Have Medical Coverage as Part of My Car Insurance Policy, Will My Car Insurance Pay for My Medical Expenses Even If I Am at Fault?

If your car insurance policy includes medical coverage, it will usually pay your medical expenses, regardless of whether you were at fault.

What Happens If I Get More Medical Bills After I Accept a Settlement?

If you’ve been injured in a car accident, an insurance adjuster from the at-fault driver’s insurance company may meet with you to review the details of your case. While it may seem like the adjuster is there to help, remember, it is their job to get you to agree to settle for as little money as possible.

Sometimes, adjusters will offer to cover medical bills quickly, but this may be well before you know the extent of your injuries. Be aware, when you sign a settlement agreement, you usually waive your rights to additional compensation. If you have already accepted a settlement, and later incur additional medical bills related to your injury, it is unlikely you will be able to get more money from the at-fault party.  This is one of the reasons it is so important to speak to an experienced personal injury attorney before accepting any settlement offer.

Have a Question?

Contact us with any questions you have and we’ll get back to you!