Accident Health Insurance
Reader’s Question:
Does an auto insurance policy also pay for your medical bills aside from my accident health insurance?
Brandon
Salt Lake City, UT
Your accident health insurance, in the event of an accident will pay for medical coverage up to a limited amount only depending on your policy. Most state laws do not require coverage of personal injury so medical coverage is normally not included unless requested by the consumer. The amount that a company will cover for medical bills is only $5,000 for which some may find this not enough.
In the US, you you probably belong to either the “No Fault States”, in which they make it compulsory for drivers to be insured with no fault insurance which will provide security against accidents; it also includes personal medical bills. The second is the “Tort States”; these are the states that require drivers to carry the liability auto insurance to third party drivers related to vehicle accidents.
Among these cases however, you should also take time to discuss if the insurance policy does cover your medical bills aside from your accident health insurance. Always double check with your insurance company the extent of the coverage.