Can I use my health insurance after an accident with an uninsured motorist?

"I was hurt in an accident and the other driver was arrested for DUI. He was at fault, and it turns out he was also uninsured and unlicensed.

I have Alabama state-minimum liability coverage. Will my health insurance pay for my medical bills?"

Answer
“If you have medical payments coverage on your auto insurance policy, that coverage will pay out first until the policy limits are exhausted.
Once those limits are exhausted, or if you do not carry medical payments coverage, your health insurance will pay out according to the terms of your policy (coinsurance, copays, deductibles, etc).
More uninsured drivers are are on the roads every year. For the future, consider adding some additional coverage to your auto insurance policy for more complete protection.
Hope you have a quick and full recovery!”
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Shannon Martin
Answered on May 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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