Our Blog

What Auto Insurance Coverage Helps With Medical Bills From an Accident?

medical bills coverage auto insurance

If you are in a car accident, there can be many expenses to deal with after everything settles. You may be responsible for medical bills, car repair costs, and property damage. This brings up questions about how your medical bills can be covered by your auto insurance and which type of coverage is needed to cover medical bills from auto insurance plans. This is a complex issue depending on the situation and your insurance provider. Here is more information to help clear up some of the confusion.

How Are Medical Bills Covered By Auto Insurance?
For most states, this will depend on who is at fault for the accident. Your coverage plan will also determine if you get coverage for medical bills or not, and how much coverage you can get. Typically, if you are not at fault, the other person’s insurance can help pay for your medical bills from the accident – unless located in a no-fault state. If you are at fault, you will likely be covered by your personal injury protection coverage if you have this option in your auto insurance plan. Most insurance providers have an extra coverage option called Medical Payments Coverage – which is typically what most people use to help cover medical bills from an accident.

How Are Medical Bills Covered With No Insurance?
In some cases, there may be coverage available for uninsured motorist coverage. Depending on the state and your coverage plan, this may help pay for medical bills that have resulted from the car accident itself. This can get complicated depending on who was at fault, if your state is a no-fault state, and who does not have sufficient insurance. It is best to contact your insurance provider directly to clarify how you may be covered for these unique coverage situations. Hopefully you are never in a car accident, but it is best to be prepared should it happen.


If you have further questions regarding medical bills payment coverage and auto insurance, our auto insurance experts would be more than happy to help. Call us with your questions today at 877-945-7233 or visit our local offices in Los Angeles and Long Beach.