How can my cousin get his medical bills covered after being hit by a car?

"My cousin was hit by a car while riding his bicycle. The police report says my cousin is at fault for crossing the street illegally.

We submitted a claim to his health insurance for his injuries and medical bills. His health insurance is now denying the claim and saying that we need to reach out to the driver's insurance for coverage.

Will they pay for anything since my cousin is at fault? How do we get his medical bills covered? "

Answer
“Since your cousin’s accident involved a vehicle, his health insurance carrier requires him to go through car insurance first. This is because car insurance coverage is considered primary in a car accident, while health insurance is secondary.
When your cousin speaks with the driver’s insurance company, they’ll want to gather all the information about the accident. Although the police reported your cousin as being at fault, an insurance adjuster will review all the details of the accident before making a decision.
Should the other driver’s insurance accept some or all liability, your cousin’s medical bills could be paid by the driver’s bodily injury liability or medical payment coverage.
If the driver’s insurance company doesn’t accept liability, the bills will go back to your cousin’s health insurance. “
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Emily Maracle
Answered on May 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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