Does Health Insurance Cover Injuries from a Car Accident?

As a rule, health insurance won’t cover injuries you suffer in an accident. This is because auto insurance policies have their own coverage for car accidents known as medical payments coverage or, in some states, personal injury protection. These insurance policies will cover injuries you or your passengers face after an accident no matter who is at fault, meaning your health insurance won’t need to step in. 

There are some exceptions, however. 

Your health insurance can cover your medical bills following a car accident, but it depends on several factors, and it might not come to that. Here's what you need to know:  

In some ways, insurance is sort of a general fund for expenses. That is, your car insurance will pay for auto accidents. But it doesn't just insure your car. It also insures any expenses arising in relation to your car. Likewise, your business insurance doesn't just protect your business. It also covers anything that happens in relation to your business.  

Health insurance is sort of an oddity here because it is named specifically for what it protects. Your car insurance can pay for your medical costs, but your medical coverage cannot pay for your car.  

In short: Your health insurance can pay for costs resulting from an auto accident, but that is unlikely to happen. If you want to make sure that your health will be taken care of following an accident, you should take a moment to see what provisions are offered by your auto insurance policy.  

Any questions you have about your coverage can be answered by your insurance provider, so be sure to ask for clarification before an accident occurs.