does the health insurance cover the car accident?

If further damage is detected during the repair process, the garage will contact the insurer for approval of the additional cost of repairs. This bill (which can run into thousands of dollars) usually includes a section asking if you have health insurance. For example, if you claim a neck injury in California, you would have to provide at least five years of records from primary care physicians, chiropractors, orthopaedic doctors and any other providers who treated you for similar injuries. You could sue the at-fault driver personally or negotiate with him to pay medical bills not covered by insurance.

If your health insurance paid your medical bills first, the health insurer will turn around and file a claim against the auto insurance company insuring the at-fault driver. Most medical providers first provide the necessary treatment, and then settle with the insurance providers to determine who pays what. The amount deducted from the bill will depend on many things, including the future health prognosis of your injury. Like private health insurance companies, Medicare may impose a lien on your recovery because you are entitled to reimbursement for the coverage you paid for.

After all, none of the insurance companies involved want to pay your medical bills if they can help it. This usually happens because a covered driver has had an accident or moving violation that is their fault. If a doctor or other health care provider works on a lien basis, the provider will delay payment until you settle your case. In addition, the other insurer is likely to request relevant medical records going back at least five years.

Personal injury protection (PIP) is a form of automobile insurance that reimburses you for medical expenses and certain other costs, such as loss of income, after a car accident. The Department of Insurance cannot guarantee the accuracy of this translation and is therefore not responsible for any inaccurate information resulting from the translation application tool. If you require medical care after a car accident, you should use any PIP and MedPay auto insurance coverage you have before submitting a claim to your health insurer.

Erika Ossenfort
Erika Ossenfort

Hipster-friendly food fan. Professional pop culture advocate. Freelance internet ninja. Devoted web fan. Extreme music evangelist.

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