Does Health Insurance Cover Injuries from a Car Accident?
A car accident injury means acquiring medical care and this is certainly a sticky situation when you have different insurance policies. Generally, the injured parties are confused after the accident and may not be aware of their standard health insurance that will cover injuries from a car accident. Now, the fact to know is how much a particular insurance company will pay, but this is based on factors such as who is at fault and if the car insurance coverage is properly paid. Eventually, the health insurance companies cover the injury bills of the car accident using your health insurance coverage to a point.
Health insurance cover injuries:Car Accident Injury Bills
Car accident injury bills normally follow a typical payment pattern. The first piece will involve the deductibles on the insurance policy, considering if you have a car insurance policy or a standard health insurance policy. This is ascertained as the injured is expected to pay bills up to the deductible amount.
In fact, ambulances, hospitals and doctors do not consider the upfront payments; instead they perform the essential services to cure the injured party. Then they involve with insurance company and determine the amount to be paid. However, the accident victims have to pay for the deductible amount.
Auto Policies Pay First
When it refers to accident insurance, the foremost payment is charged against the auto policy. Generally, most states expect motorists to have a personal injury protection. The coverage amount varies, but the medical bills must be paid up to the policy limits.
Health insurance cover injuries:Cycling into Medical Insurance Coverage
Generally, medical insurance policies pick your bills for a car accident injury once other forms of payment get exhausted. What will be covered and what will not be covered is assessed. Conversely, the injured parties will have to pay:
- Deductible amount as per their health insurance policy
- Any co-payments as per their health insurance policy
- Charges that are not covered by the policy.
In case, the injured party is not at fault, the insurance companies will work hard to get the policies of the fault party to absorb some costs. Car crash victims can recover some out-of-pocket expenses by agreeing for some car accident settlement with the at-fault driver or even with their insurance carrier.
Car accidents cause severe injuries and death. Thus, prior to getting behind the wheel, it is best to understand the protection that will assist in covering the accident costs. Remember to carry enough medical coverage on the car insurance policy and just do not focus only on the cost to be covered for your vehicle repairs, in the car insurance.
Commonly, people assume health insurance to cover the medical expenses for everything. Unfortunately, it is not the truth. In fact, if your car insurance is insufficient, you may have to bear the expenses for the injuries.
Will health insurance cover injuries from a car accident?
The rule informs that medical insurance will be released for injuries only if the loss is not covered by any other insurance. A medical insurance company denies paying for an injury taking place when you are at work, until the company is certain you do are not going to receive compensation. Likewise, this is applicable for car accidents as well.
In case, you do not have any type of insurance with medical coverage or car insurance, your health insurance company will cover the injuries cost if you are the only person involved. If another person is equally involved in this car collision, the health insurance company will not come ahead immediately. They will wait to observe, if the other party is at fault and the faulty party pays for your injuries.
Generally, most health insurance companies come forward with a claim only when all others have denied. So it takes a longer time to get the medical expenses cover. Luckily, the medical providers are aware of this process and so you are given treatment and billed for things that are not covered by insurance company. However, as a victim, check everything in detail, so that you do not receive a medical bill after few months for something that you had understood was covered in the car accident insurance.