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How does health insurance work after a car accident?

On Behalf of | Oct 17, 2022 | Denied Insurance Claims, Motor Vehicle Accidents

Getting into a serious car accident in Alaska can leave you with injuries. You may have to rely on your health insurance to cover your medical expenses but might wonder if your coverage applies to car accidents.

Health insurance and car accident injuries

Health insurance isn’t meant to cover injuries stemming from a car accident. However, carriers cannot deny your claim because you were injured in such an accident. Your health and auto insurance should work together to pay for your damages.

If your auto insurance coverage is sufficient, you will want to file a claim for your damages. This should include your medical bills if you’ve suffered personal injury from the collision. Your doctor should have all your auto insurance information as well as your health insurance information. When submitting your medical bills to your auto insurer, an adjuster will review everything and ask questions if more information is needed. Your auto insurance company could then accept or deny your claim.

Health insurance and obligation to pay after car accident injuries

After you have sustained injuries in a car accident, your auto insurance policy is meant to cover the bulk of your damages. Thus, if you try to use your health insurance coverage first, your insurer will direct you to rely on your auto insurance policy first as it’s there to cover accident-related costs. This is why most states require drivers to purchase auto insurance.

At the very least, you should have the minimum coverage required by your state. In Alaska, this includes $50,000 per person for bodily injury liability and $100,000 per accident as well as $25,000 for property damage. Uninsured and underinsured motorist coverage is $50,000 per person and $100,000 per accident if you’re injured in a hit-and-run or the driver lacks sufficient insurance or doesn’t have it at all.

Your health insurance cannot deny coverage if you’re injured in a car accident.