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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? "
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.
“
View full answer
- Gregory R.
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