Does Health Insurance Cover Injuries From a Car Accident?

Every state in this country requires a motor vehicle driver to carry insurance, except for New Hampshire and Virginia. Whenever you need to go to the hospital, you utilize your health insurance to pay for your care. However, what happens when you are in a car accident and are injured? Does your medical insurance still cover those medical costs, or do you turn to your car insurance for assistance?

Which Insurance Company Covers the Medical Bills?

This question is really quite detailed, and many factors come into play. First, whoever is at fault is responsible for the medical bills. If someone else hits you and is cited for the accident, it is their insurance that is responsible for paying for your accident related costs.

Uninsured/Underinsured Motorists

If you were hit by someone who did not have insurance coverage or enough coverage, your health insurance and/or your underinsured/uninsured motorist insurance should pay for your medical bills. However you may have to pay out-of-pocket for deductibles, miscellaneous expenses, and prescription costs.

Medical Costs Can be Long Term

When it comes to a car accident and medical treatments, the initial costs of medical care may not represent the total of your damages. Oftentimes, people do not realize how severely injured they are until days or even months after the incident. This is why it is important to get a lawyer to stand beside you and fight for a compensation package appropriate to the potential long term care of your injuries. If you have had to take time off of work due to your injuries, or you are in intense pain and have a possibly permanently disabling condition, you may need to sue for the compensation you need. And lawsuits often take a long time to resolve, even if your car accident attorney Minneapolis MN trusts negotiates a settlement during the proceedings.

Why You Need an Attorney

It is important that you never talk to the at-fault insurance company, or accept a settlement for the accident without first speaking to an attorney. The insurance company wants to settle the claim as quickly and as quietly as possible. They do not want to go to court and do not want to pay a dime more than they have to. They do not care about your health; they only care about settling the claim for as little as possible and then closing the books. An attorney will look out for your best interests and try their best to get you a fair deal.

When selecting an attorney to handle your personal injury claim, you want to select a lawyer with these attributes:

  • A successful track record of negotiations and lawsuits.
  • Well versed in the law and will fight to see justice done.
  • Capable of building a strong case based on evidence from witnesses, the accident scene, medical records, and your testimony.

We Can Help

We strive for a positive outcome for our clients. As a personal injury law firm, we do not make any money unless you receive a settlement or jury award. We will use every resource available to win your case or negotiate the maximum settlement possible on your behalf. Contact us if you’d like to discuss your personal injury case and see how we might be able to help you.


JMThanks to our friends and contributors from Johnston | Martineau PLLP for their insight car accident cases.