After a car accident, people often have many questions about how to get things back in order. Most commonly, people want to know if their auto insurance will help pay medical bills after an accident. Auto insurance coverage can vary in California depending on the type of policy you have and the insurance provider you have. Here are some of the main things to keep in mind regarding medical bills and car insurance.
One of the major deciding factors as to how the medical bills will get paid is determining who’s fault the accident was. A no-fault state does not require this determination. However, California is an at fault state, so it is determined who’s fault the accident was to decide who is responsible for paying for the damages or medical bills and other expenses.
If you are found to be not at fault in the car accident, the other person’s insurance would be responsible for covering your medical bills in most cases. The amount of coverage will vary depending on the situation and the insurance policy.
If you were found to be at fault for the car accident, then your personal injury protection coverage can help cover your medical bills after you meet your deductible. The amount paid will depend on your car insurance company and your specific policy.
You may also be able to use medical payments coverage to help pay for your medical bills from a car accident, regardless of who was at fault. Sometimes this is useful if the medical bills are expensive and there is not sufficient coverage to pay for everything.
If you are in an accident with someone who has no insurance or not enough insurance, this is where your uninsured motorist coverage can help you to cover the cost of your medical bills after the accident.
As you can see, your medical bill payments may be covered by several aspects of your auto insurance policy or the other driver’s auto insurance coverage. If you still have questions regarding this coverage, one of our auto insurance experts would be happy to answer any of your questions. Please contact us at 877-945-7233.