Car Accidents & Health Insurance: What You Need To Know
- November 9, 2023
- Ask Betty!
Car accidents and health insurance how do they work together?
Welcome to this week’s episode of “Ask Betty!”, where all your puzzling health insurance questions are answered by your favorite Ninja, Ninja Betty! We’re so excited to have you here, OR_Olivia_OR! Thanks for submitting such a great question, and as a token of our gratitude, please check your Inbox for a $25 Amazon gift card!
Q from YOU to Ninja HQ
How does my HEALTH insurance work if I’m in a car accident?
Car Accidents and Insurance Claims
Now, let’s dive into your question about how your health insurance works if you’re involved in a car accident. It’s definitely a complicated topic, but fear not because Ninja Betty is here to break it down for you.
Car Accidents Complicate Auto & Health Insurance Claims
When it comes to injuries involving vehicles, there’s a specific order of insurance events that come into play. First and foremost, the auto insurance of the party at fault will be responsible for paying out claims. This falls under the Personal Injury Protection (PIP) coverage of their auto policy.
- 1st -"At Fault" Party's Car Insurance (PIP)
- 2nd - Your Car Insurance (PIP)
- Last - Your Health Insurance
First - Check Your AUTO Coverage
However, if you find yourself in a situation where you were hit by an uninsured driver or the extent of your injuries exceeds the PIP coverage provided by the at-fault driver, don’t worry. Your own auto coverage’s PIP kicks in next to cover any remaining expenses.
Personal Injury Protection Claims MUST Be Processed First
Finally, if both the at-fault driver’s PIP coverage and your own auto coverage’s PIP have been exhausted, THEN your health insurance will step in to provide additional coverage.
Health Insurance Is the Last To Be Processed in Car Accidents
It may seem like there are many steps involved, but understanding this order of claims is crucial to ensure that you receive the necessary support and financial protection during these challenging times.
Remember: safety always comes first when we’re out on the road. Keep yourself and others safe by being vigilant and practicing good driving habits!
Auto & Health Insurance Claims Complicated in Car Accidents
As OR_Olivia_OR was surprised at the complicated required order of insurance claims, she also now knows the importance of BOTH car & health insurance, in the vents of car accidents. Truly valuable information!
Don’t forget to reach out with any more health insurance questions you might have! If we use your question in an upcoming episode of “Ask Betty!”, we’ll make sure to send another $25 Amazon Gift Card your way as our way of saying thanks!
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