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Does Health Insurance Cover You in a Car Accident?

Mar 19, 2024 | Car Accidents, Insurance, Personal Injury

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Regarding car accidents, one of the primary concerns for the involved parties is the financial impact — specifically, who will pay for the medical bills. You may wonder if your health insurance will step in and cover your medical expenses after a car accident. The answer is not straightforward, as it depends on several factors, including the specifics of your health insurance policy, auto insurance coverage, and the nature of the accident. Here is a short guide to help you understand how health insurance intersects with auto insurance in a car accident scenario.

How Health Insurance Works After a Car Accident

Many people mistakenly believe that health insurance automatically kicks in to cover car accident injuries. However, it’s essential to understand that not all medical insurance plans are created equal. Some health insurance policies include clauses that exempt them from covering expenses if they arise from an accident for which another party is liable. If another driver was at fault in your accident, your health insurer might expect their automotive liability insurance to pay your medical bills.

When your health insurer does cover car accident injuries, it typically serves as your secondary payer. Stepping in to pay unpaid portions of your medical bills after your auto insurance policy’s medical payments coverage or personal injury protection is exhausted.

Role of Auto Insurance

Understanding the terms of your auto insurance policy is crucial. Some states require auto insurance providers to include personal injury protection (PIP) in their policies. PIP, also known as “no-fault” insurance, covers medical expenses for you and your passengers, regardless of who was at fault for the accident. Note, however, that PIP limits can be quickly exhausted in severe accidents, leaving you to scramble for additional coverage.

Meanwhile, in states with tort auto insurance laws, the at-fault driver’s auto insurance is generally responsible for paying medical costs. However, you may need to turn to your health insurance for coverage if the at-fault driver is uninsured or underinsured.

Subrogation Rights: The Health Insurer’s Claim

When your medical insurance does pay for your medical costs, it will often seek compensation from the at-fault party’s insurance company. This process is known as subrogation. This allows your health insurer to recoup the costs it paid for your care from the responsible party.

The overlap of various insurance policies and determining which should cover medical costs after an auto accident often leads to a maze of insurance details This can leave you more confused than relieved. Understanding what coverage applies can be a complex, time-consuming process best left to legal professionals.

Walker Texas Lawyer has extensive experience dealing with auto and health insurance companies. He can help you understand your insurance coverages and take the stress off your hands. Allowing you to focus on your recovery rather than the complexities of insurance payouts. With Walker Texas Lawyer, you have an advocate who will fight insurance companies. He will ensure you get the benefits you need and deserve following a car accident.

Coming to terms with the intersection of health and auto insurance following an accident can be daunting. However, you don’t need to fight it alone. With expert legal help, you can navigate the process more confidently. Thus, ensuring your rights are protected and your needs are met.


For more information, contact Houston’s accident law firm of Walker Texas Lawyer by calling (713) 552-1117.

Walker Texas Lawyer
3100 Timmons Ln Suite #401
Houston, TX 77027

Walker Texas Lawyer – Pasadena
4008 Vista Rd Suite #202B
Pasadena, TX 77504

Walker Texas Lawyer – Montrose
2238 Richmond Avenue
Houston, Tx 77098

Walker Texas Lawyer – Texas City (Walker Texas Lawyer Arena)
9300 Emmett F. Lowry Expressway
Texas City, Tx 77591


(713) 552-1117


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Walker Texas Lawyer - (Principal Office)

3100 Timmons Ln Suite 401
Houston, Tx 77027


Call: (713) 552-1117

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Walker Texas Lawyer - (Montrose Location)

2238 Richmond Avenue
Houston, Tx 77098


Call: (713) 280-7985


Walker Texas Lawyer - (Pasadena Office)

4008 Vista Rd Suite 202A
Pasadena, TX 77504


Call: (281) 545-5158

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Walker Texas Lawyer Arena

9300 Emmett F. Lowry Expressway
Texas City, Tx 77591


Call: (713) 331-6848



Areas We Serve

Walker Texas Lawyer is located in Houston, just off the southwest freeway near the corner of Edloe St and West Alabama St. We serve clients throughout Texas. Injured in a car, motorcycle, offshore, or industrial accident? We can help you get the compensation you deserve. The following are some areas we serve:

About Walker Texas Lawyer

James Walker - Walker Texas Lawyer James Walker is a Personal Injury Attorney in Houston, Texas. He has over 40 years of legal experience and has helped over 25,000 clients. This means he has demonstrated his extensive knowledge of legal procedures. He knows how to handle insurance companies. If insurance companies refuse to give you a fair shake, they will take the insurance companies to court. He knows the law inside and out. He knows what he’s doing.

Walker will try to settle your case without going to court. But if that doesn’t work, he is ready and prepared to take your case before a judge. He is Houston’s Personal Injury Lawyer for a reason; he will fight for you, seek the maximum compensation on your behalf, and make sure you get what you deserve after an accident.