Does My Auto Insurance Company Pay for Medical Bills After an Accident

Most policyholders focus on paying their premiums on time and don’t think about the answer to the question, “Does my auto insurance company pay for medical bills after an accident?” The answer to this question is very important after a collision occurs, and all drivers should make a point of familiarizing themselves with their auto insurance policy terms and conditions.

Bodily injury liability coverage pays for medical bills and expenses incurred by the occupants of the other car, If you are at fault, you are responsible for paying for these expenses if you live in a tort state. In a no-fault car insurance state, accident victims submit their medical bills to their own insurance providers for reimbursement, but you may still have to pay for some medical claims if the accident was a serious one which resulted in long-lasting injuries.

What Auto Insurance Policies Cover

If you have been injured in an accident, the Personal Injury Protection (PIP) coverage in your policy will cover the following types of expenses:

  • Ambulance
  • Emergency room treatment
  • Laboratory tests
  • Surgical procedures
  • Hospital stays
  • Medications
  • Doctor’s visits
  • Physical therapy and follow-up appointments

You should submit your medical bills to your own insurance provider first. Once you have reached your coverage limit, any other medical bills can be submitted to your personal medical insurance plan for payment/reimbursement. If you are submitting claims to your personal plan, you will still need to pay your policy deductible, as well as any required copays.

You may also be able to make a claim for long-term medical care, as well as pain and suffering.

Medical Bills When Other Driver is at Fault

You are responsible for paying for your medical bills following the event. His or her insurance company will pay for medical bills, but only after receipts for the expenses have been submitted. The amount which has been paid out will be included in the final settlement offer made by the other driver’s insurance company.

When the settlement is accepted, your insurance company is entitled to be reimbursed for the money it paid out for your medical bills. This amount is deducted from the amount you will receive.

Get the Right Level of Auto Insurance Coverage

If you want to be assured that you will have the right level of coverage if you are involved in an accident, take the time to look at your policy documents carefully to find out how much coverage you have in place. In most states, you must have a certain level of liability protection in place. All drivers can choose to buy a policy with a higher limit and it’s a good idea to buy as much coverage as you can afford.

In states where PIP is required, a minimum level of coverage is set. Drivers who have a good personal medical insurance plan may want to buy only this amount of protection, but people who have limited medical coverage may want to consider buying a higher level of PIP coverage.