Does Blue Cross Blue Shield Cover Auto Accidents?

Which insurance is primary in an auto accident?

Health insurance and auto insurance But in most cases your health insurance is primary.

So your health plan will pay first, and if there are expenses left over not covered by your plan, your auto insurance will pay those..

Do I have to pay my medical bills out of my settlement?

Yes, you should pay your medical bills from your settlement. … If you are in an auto accident, your own auto insurance pays a part of your medical bills which is called your PIP coverage (personal injury protection). Most people carry what is required by Florida law – $10,000 in PIP coverage.

Will the insurance company send me a check for my medical bills?

If the insurance company accepts the claim and the claimant agrees to a settlement, it will release the settlement check to the victim. The auto insurance company will not send the payment directly to the hospital. … It is up to the victim to use the money to pay for medical bills.

Is pain and suffering separate from medical bills?

Pain and suffering aren’t included in any other category of damages, such as medical bills. So your attorney will demand a separate amount for pain and suffering.

How much is a neck and back injury settlement?

Neck and back injuries can be catastrophic. In these cases, settlement values can go into the millions. For more minor neck and back injuries, settlements are generally smaller, such as $10,000 to $100,000.

What does collision insurance pay for?

Collision insurance is a coverage that helps pay to repair or replace your car if it’s damaged in an accident with another vehicle or object, such as a fence or a tree. If you’re leasing or financing your car, collision coverage is typically required by the lender.

Which insurance pays for accident?

If you have collision coverage, your insurer should pay for the repairs, except for your deductible. When the accident is someone else’s fault but you end up paying a deductible and using your own insurance, you have the option to go after the other driver personally.

Will my health insurance cover auto accident?

If you do not have PIP or MedPay coverage on your car insurance, you may use your health insurance to pay for any medical bills resulting from a car accident. If you live in a tort state, you also have the option of filing a claim against the other driver’s insurance to pay for medical expenses.

Who covers medical bills in a car accident?

General Rule: The Defendant Does Not Have to Pay Your Medical Bills on an Ongoing Basis. The most important thing to know is that, if you get into an accident, you are generally responsible for the payment of your medical bills as you incur them.

How do I know if my health insurance covers car accidents Michigan?

As mentioned above, if a driver coordinates No-Fault auto insurance coverage with his or her health insurance, then the medical insurance will be considered the “primary” payer and, thus, will be the first to pay for any of the driver’s crash-related medical care and treatment in the event the driver is injured in a …

Who pays first auto insurance or health insurance?

Car insurers offer two types of medical coverage: Coordinated policy — The car insurer coordinates medical care with the medical plan, which means the car insurer usually pays after the medical plan.

How does medical payments on auto insurance work?

Medical payments coverage is optional. … Your auto liability coverage will not pay for your or your passengers’ medical bills after a car accident. If you cause a car accident, the bodily injury liability portion of your car insurance coverage helps pay for the other party’s medical expenses.