Will Health Insurance Cover A Car Accident?
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.
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’s 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.