Does auto insurance cover medical bills?

Auto insurance does cover medical bills in several situations. The question of who pays medical bulls in an accident is answered by fault laws in your state. Bodily injury liability pays medical bills for the other driver if you're at fault, while PIP pays for your medical bills regardless of fault. Medical payments coverage on your auto insurance policy can also kick in regardless of fault.

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Sara Routhier, Director of Outreach and Managing Editor of Features, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overw...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Mar 30, 2021

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A Concise Overview

  • Auto insurance does provide medical payments coverage
  • Which insurance company pays for medical bills depends on the laws in the state concerning fault
  • You can purchase extra Personal Injury Protection (PIP) and MedPay coverage for added protection

Does auto insurance cover medical bills? Unfortunately, car accidents often cause injuries, and that results in medical bills. The good news is that you do have medical coverage with car insurance policies.

Sorting out all the information you need to know about the different auto insurance coverages can be a bit of a hassle. That’s why we’ve done the research for you and organized it into this easy to understand guide. We’ll explain how medical payments coverage works on your auto insurance.

Are you ready to start comparing auto insurance quotes right now? Just type your ZIP code into our free tool above to compare auto insurance quotes with medical payments coverage.

Does your auto insurance cover medical bills ?

How can I tell if my policy covers my medical bills? Will basic coverage pay for medical bills from an accident? What kinds of medical expenses are covered?

Who pays medical bills in an accident? There are a lot of questions associated with medical bills when it comes to a car accident. How and when auto insurance pays medical bills depends on the type of coverage you have and what other coverage is available to pay the bills.

At-Fault vs. No-Fault Auto Insurance States

Some states have no-fault laws, and in this case, each individual’s insurer pays for that person’s injuries.

In most states, though, the insurer of the person at fault for the accident pays for the damages. When it comes to the question “will insurance cover my medical bills if the accident is my fault?” the answer is yes in either case, but which insurance company pays depends on the laws in your state.

Let’s take a look at a video explaining no-fault laws.

An “at-fault” state is technically called a “tort” state. These states assign blame and financial responsibility to those who were responsible for the accident.

The following table shows no-fault insurance states. If you do not live in one of these states, you live in a tort state.

States with No-Fault Auto Insurance Legislation
No-Fault Auto Insurance States
Florida
Hawaii
Kansas
Kentucky
Massachusetts
Michigan
Minnesota
New Jersey
New York
North Dakota
Pennsylvania
Utah
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As you can see, most states are tort states. So, to answer the question at hand, usually, your insurer pays for medical bills, provided you cause the accident. If not, it’s the other person’s insurer who pays.

What kind of car insurance will cover medical bills? Let’s look at some of the options to find out.

Full Coverage Auto Insurance

You’ve probably heard of full coverage auto insurance. Does full coverage cover medical bills? Technically yes, in most cases, because you can’t have full coverage without liability insurance. However, it may not pay all of the bills if MedPay and PIP are not required coverage in your state and you choose to opt out.

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Auto Insurance Medical Payments vs. Bodily Injury Liability Auto Insurance

Another supplemental coverage that is sometimes included in full coverage is MedPay. The title says it all — it’s for medical bills. So if you’re insured with Geico, for instance, you might want to ask your agent about Geico medical payments coverage. The same goes for medical payments coverage at State Farm. Most companies offer similar coverage.

You may be asking, what’s the difference between auto insurance medical payments vs. bodily injury coverage? What does medical coverage on an auto insurance policy cover?

It’s a good question. Let’s take a look at a video explaining medical payments coverage, also called MedPay.

Now, let’s look at a video explaining bodily injury liability coverage.

Are there limits on how much insurance will pay for medical bills? Yes, your auto insurance policy will only pay out up to the limits set when you purchased the policy, whether it’s liability or PIP. You are responsible for anything beyond those limits. So, if you’re wondering: should I add additional coverage for medical bill expenses? It’s a good idea.

Collision and Comprehensive Auto Insurance

Collision and comprehensive are both physical damage coverages. Collison covers accident damage. Comprehensive coverage is for damages to your vehicle caused by something other than an accident, such as theft or vandalism and severe weather events.

Do I need comprehensive if I have an accident and accrue medical bills? While comprehensive is generally part of a full coverage policy, it doesn’t cover injuries.

Now that we know what does and doesn’t cover medical expenses, when are medical bills not covered by insurance? Your injuries won’t be covered when you’re at fault in a tort state. In such a situation, you may be asking, “Will I have to pay my deductible?” In short, yes, because you were at fault for the accident.

Get the right auto insurance medical payments coverage today. Check out reasonable rates in your area by typing your ZIP code into our tool below to compare auto insurance that covers medical bills.

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Frequently Asked Questions: Does Car Insurance Cover Medical Bills?

Hopefully, you’re now better suited to handle any potential issues related to medical bills and your auto insurance. But if there’s something you still need to know, take a look at our frequently asked questions below.

#1 – What will insurance pay for my car?

This depends on the particulars of the accident and the value of your car.

#2 – Will the insurance company send me a check for my medical bills? Who gets the insurance check for my medical bills?

It depends on whether or not you have already paid the bill out of pocket, and where the invoice directed payment to go.

#3 – Who pays first, auto insurance, or health insurance?

Health insurance is usually primary, and auto insurance will pay any bills not covered by your health insurance.

#4 – What will I need when filing a claim and how do I file a claim for medical bills?

You will need to tell your insurer where and when the accident took place, the contact information for everyone involved, and a description of what happened. You file a claim by collecting your itemized receipts and completing a claim form. Your adjuster will tell you how to submit medical bills to auto insurance.

#5 – Will filing a medical bills claim make my rate go up?

It depends on who was at fault for the accident. If you were at fault, there is a good chance your rates may increase.

#6 – Is there medical payments coverage on homeowners insurance?

Homeowners insurance includes coverage for medical bills, but it doesn’t apply in a car accident.

 

References:

  1. https://www.iii.org/article/background-on-no-fault-auto-insurance

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