A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 19, 2021

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Here's what you need to know...

  • In the event of an accident, your car insurance may provide medical bill coverage depending on who is at-fault for the accident and what coverage you carry
  • Most states require every driver to carry liability coverage, which provides coverage for bodily injuries that the at-fault driver causes
  • This coverage would pay for medical injuries caused by the at-fault driver
  • Your car insurance may provide medical payments if you carry Personal Injury Protection or Medical Payments coverage
  • You may also have the option of utilizing your health insurance as a primary coverage provider in the event of accident related injuries

In the event of an accident that results in bodily injuries, finding ways to cover your medical bills is often an ongoing process.

Depending on who was responsible for the accident may determine if your car insurance will provide coverage or if the other party’s coverage will. Additionally, there are different types of liability and medical coverage available that may help cover medical bills.

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Is the other party at-fault for the accident?


In the event of an accident where you are not at fault, your insurance policy may not cover the injuries caused by another driver. This is because almost every state requires drivers to carry liability insurance, which provides coverage for bodily injury caused by the at-fault driver.

Almost every state has minimum liability insurance requirements that drivers are required to purchase; this helps to protect other drivers that are on the road.

However, if the at-fault driver’s policy does not provide enough coverage, you may be able to receive additional coverage through uninsured/underinsured motorist coverage.

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Are you at-fault for the accident?

If you are involved in an accident, and you are determined to be at-fault, then your liability coverage will pay medical bills for the other parties involved, but not your medical bills. In this scenario, you may need to rely on Personal Injury Protection or Medical Payments coverage.

Personal Injury Protection, sometimes called “PIP” coverage, is a type of no-fault insurance that allows you to receive medical bill coverage regardless of fault.

This means that you can receive coverage through your primary auto insurance for medical bills that may occur, even if you are deemed responsible for the accident. This coverage is normally available in no-fault states.

Also, Medical Payments coverage is another optional insurance coverage that is normally available to help cover medical bill expenses.

This coverage, like PIP coverage, provides help with your medical bills regardless of fault. This coverage normally helps protect the named insured, as well as any family members when they are occupying the insured vehicle.

These coverage options may not be available in every state, or may have variations based on state insurance legislation. If you are shopping around for insurance coverage, it’s important that you understand what each coverage provides and what each provider offers.

Different coverage options and limits may be available through different providers.

Do you carry primary health insurance that may provide coverage?

If you are involved in an accident that results in bodily injury, then your primary health insurance may provide assistance in paying your medical bills.

However, once your insurance provider or the at-fault driver’s insurance provider reaches a claim settlement, then your health insurance provider may expect restitution for the medical costs they have covered.

Your auto insurance policy is designed to protect you being financially ruined by medical bills.

Depending on the severity of the accident and the bodily injuries that have occurred, your health insurance provider may have a vested interest in your claim settlement or the claim resolution process; including any resulting court case or lawsuit.

Understanding Insurance Coverage


In the event of bodily injury, medical bills often start piling up until an insurance provider accepts responsibility.

In some situations, your insurance provider may cover your medical bills; normally this happens if you carry Personal Injury Protection or Medical Payments coverage. If the other driver is at-fault, then their liability coverage should provide medical bill coverage for you.

Additionally, your primary health insurance may be an option to help cover your medical bills.

If you have a good quality health insurance provider, then you may want to consider using it as a primary provider in the event of bodily injury. This would allow any applicable auto insurance coverage to supplement your bill payments that your primary provider cannot cover.

It’s important to understand what your state’s minimum requirements are for auto liability insurance so you can purchase limits that meet or exceed your need.

If you have questions about what your state requires, your insurance provider can explain the required insurance minimums. Your state’s Department of Insurance can also help you understand your state-specific requirements or legislation.

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