Medical bills can easily cost more than you’d think if you’re in a car accident. A care flight can cost around $80,000. (A care flight is emergency air transportation, like a helicopter or airplane, used to transport patients to a medical facility after a serious accident.) This amount doesn’t include expenses for imaging, additional medical treatments, therapy, and other related costs. Understanding how your auto insurance works after an accident is crucial. The team at Schneider Insurance Agency, serving Gahanna, OH, can help.
Auto Policies May Reimburse Medical Insurance
Typically, a hospital will bill your medical insurance first. The medical insurance will usually pay the hospital bill, even if it’s for an auto accident, to make sure that you receive timely treatment. However, certain insurance companies will deny the claim if you were in an auto accident, and you’ll need to file a claim with your car insurance company. Your auto liability insurance pays for other people’s injuries, not for yours or your passengers. You’ll need to add Medical Payments, or "MedPay," for that. MedPay covers your medical bills regardless of who’s at fault for the auto accident.
Medical insurance companies will typically seek reimbursement for the bills they paid. They might expect you to pay them back if you receive a settlement from the accident, once fault has been determined. If you’re at fault for the accident, you’ll have to pay for the other driver’s medical bills, which your auto liability insurance will cover up to its limit. Schneider Insurance Agency can help you determine if you have sufficient coverage for these scenarios.
Paying Through Auto Insurance
If your medical insurance doesn’t pay for medical bills, the hospital will typically send you a bill. This can be alarming at first. However, you need the bill to ensure you file a proper claim with the auto insurance company. Keep all medical bills and work with your auto policy provider to ensure they get paid.
Navigating medical bills after a serious accident can be stressful. Thankfully, agents here at Schneider Insurance Agency, serving the Gahanna, OH area, can walk you through the process to make sure you’ve got proper auto coverage before anything should happen. Contact us to discuss your situation.
