If you are injured in an auto accident, will your medical insurance cover any of the bills?

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If you are injured in an auto accident, will your medical insurance cover any of the bills?

Asked on June 25, 2013 under Accident Law, Pennsylvania

Answers:

Joyce Sweinberg / Joyce J. Sweinberg Associates PC

Answered 8 years ago | Contributor

Assuming you have first party coverage from some source, that will pay the bills first, up to your policy limit.  Then your private insurance will cover bills. However, if you have an action against a negligent party for causing your injuries, your private insurance may be entitled to assert a lien against your monetary recovery for bills paid by them.  

Anne Brady / Law Office of Anne Brady

Answered 8 years ago | Contributor

If the at-fault driver, whether you or the other driver, has auto insurance, that will take first position in terms of paying your medical bills related to the accident.  If the at-fault driver does not have insurance, but you have uninsured motorist coverage, they would also pay ahead of medical insurance.  If there is no auto insurance to pay, your medical insurance should kick in.


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