Who Covers Your Bills After An Auto Accident?
If you have both automobile insurance and health insurance, you may not know which insurer to turn to after an automobile accident to help pay your medical bills. It can be a confusing situation, but it’s important for you to understand the responsibilities of each insurance company and how they interrelate so you can make sure your medical bills are paid.
Exactly who should pay and how much responsibility each insurer has depends on a number of factors, such as the deductible on the policies, who is at fault, and whether automobile insurance coverage is in place. Because Arizona is a “fault” state, if the other driver was at fault in the accident, that driver’s automobile insurance carrier is going to be on the hook for your medical payments as well.
So what happens when more than one insurance company is responsible for the same medical bills? Ultimately, most health insurance companies will usually cover medical bills related to an automobile accident at least up to a certain point, but the relationship between the insurance companies can be tricky.
If your health insurance pays for your accident-related medical treatment, the health insurance company is often legally entitled to be reimbursed by the “at fault” party. If your injuries are substantial, health insurance policies will usually begin picking up medical bills due to an automobile accident when all of the other forms of coverage have been exhausted. Exactly what is covered and what is not covered is dependent on the policy itself. Also, make sure you keep track of any medical bills and out of pocket expenses you incur from the accident. Insurance carriers require proof of your medical bills.
It’s best to get your personal injury lawyer involved because he will know how to make claims against all possible insurance companies to get the best and highest possible coverage for your medical bills and injuries.