Does Your Health Insurance Cover Car Accidents? If Not, What Should I Do?

When you get into a car accident, there are a few crucial steps that have to be taken. Your car insurance and health insurance will be very important during this time, but what if your health insurance doesn’t cover car accidents? Here’s everything you need to know about insurance coverage after an accident.

Know What Your Insurance Coverage Includes

When you’re signing up for healthcare, don’t just choose the cheapest option. You need to compare plans and find one that suits your medical needs and your financial needs. The right health insurance will be the difference in you potentially receiving treatment and preventative care and you staying unhealthy. Make sure you compare insurance policies with Health Quote Gurus and find a plan that will cover everything you currently need and everything you think you might one day need. You can only change your policy at certain times, so it’s important that you choose the right one when you have the chance. In addition to your health insurance, you should understand how your auto insurance works. You and other parties should exchange information at the scene and then you’ll need to report the accident to your insurance company. They will send someone to evaluate the damage done to your vehicle and determine the next course of action. Your coverage might provide a rental car for you if your vehicle needs repairs. Your policy could cover the cost of the repairs or provide you with a payout if your vehicle is totaled. Know what’s covered before you’re ever in an accident, and call your health insurance or your auto insurance if you have any questions.

Which Plans Cover Car Accidents?

No matter your insurance coverage, your medical bills after an accident will be covered in the same manner as any other bills. If you’re in a car accident and experienced whiplash, you’ll visit the hospital and pay your usual co-pay. The costs of your treatment will be added to your insurance deductible and you’ll usually receive a bill in the mail a few weeks later. You won’t be expected to pay everything upfront since it needs to be run through your insurance. The hospital or doctor’s office will bill the insurance, who will send you a bill outlining how much you owe and how much was covered by your insurance policy. You can expect that anything not covered by your policy before will still not be covered, so there is typically nothing to worry about if you know the details of your plan.

What if Insurance Won’t Pay for Medical Care?

If your insurance company refuses to pay for a significant portion of your medical care (or any at all), you’ll be responsible for the costs. The hospital or doctor’s office will bill you for the treatment you received. Without health insurance, this could be thousands of dollars. Depending on the hospital, you could work out a payment plan, but you’ll ultimately have to pay the bill. In this scenario, you may want to seek compensation from the other driver if the accident wasn’t your fault. You can contact one of the excellent attorneys that specialize in handling personal injury cases to find out your options for legal action. If you have been seriously injured in an accident that was entirely the other driver’s fault, you may be entitled to compensation. Your lawyer can help you file a claim and receive remuneration from the other party’s insurance.

If you’re in a car accident, stay calm and start collecting information. You should already know what will and won’t be covered by your health insurance and your auto insurance. Ask your insurance providers what is covered by your plans and avoid surprises.