Car accidents are a leading cause of disability and death among young adults in Idaho. While preventative measures can decrease the likelihood of an accident, you cannot always avoid them.
If you end up in a car accident, you have to know if your health insurance will cover injuries sustained from the collision. And for you to receive proper compensation for car accident injuries, having experienced Idaho Car Accident Lawyers is necessary.
What Does Health Insurance Cover?
The easiest way to find out if your health insurance covers car accidents is by calling your provider or logging into their website to check online. Either method should get you that information in a matter of minutes without having to wait around for something important like this.
Health insurance covers car accident injuries by reimbursing or directly paying for medical expenses stemming from car accidents. It includes treatment of both physical and mental conditions resulting from the crash and lost wages due to time missed at work following the incident. The type of coverage available through your health plan depends on whether or not:
- It’s an individual
- Family plan
- What state do you live in
- What kind of policy do you have, and other factors
Check with your health insurance provider to find out exactly what is covered under your plan.
Covered or Not, You Still Have Options
Regardless of whether your health plan covers car accident injuries or not, it is a good idea to explore other avenues just in case. After all, there will always be instances where things may fall outside what your insurance will take care of, and that means the financial responsibility could come back down on you unless you come up with a plan.
A few things you may want to consider are asking for help.
- From family members or friends,
- Reaching out to charities if the injuries were severe enough,
- Check your bank account to see what sort of available funds there might be in case they could cover some small part of the expenses.
No matter how much you have, it’s always better to be safe than sorry.
Personal Injury Protection and Medpay
Personal Injury Protection and Medpay are two types of insurance that may be included in your car insurance policy. Personal Injury Protection (PIP) is medical coverage for people injured in an automobile accident. MedPay, on the other hand, pays for emergency care needed after an auto accident to relieve pain and suffering until PIP kicks in.
Most states require drivers to carry personal injury protection as part of their car insurance policy, but not all offer it as a separate option, and some limit how much is paid out per person or per year. Keeping these two coverages might help you avoid having to pay huge medical bills yourself if you’re ever involved in a wreck, so make sure you review your full plan before signing up.
If your health plan covers car accident injuries, you are in luck indeed. If it doesn’t, don’t panic. There’s a good chance that PIP coverage will be able to pick up the slack, and even if not, there are still other options out there to explore. Just make sure you know what you’re dealing with before it comes time to sign the dotted line.