How do my medical bills get paid when I'm in a not-at-fault auto accident?

"I have medical payments coverage for $10,000. My car insurance company is saying they can send me the check to pay my bills, and then my health insurance will pay the rest.

My health insurance is telling me to have my auto insurance pay the hospital directly, and then they'll pay what's left.

Does it matter what I do? Will everyone get paid eventually by the at-fault party?"

“Once the other party assumes liability, their insurance will pay out their coverage limits to both of your insurance companies. Typically, bodily injury liability will cover any medical expenses that you have up to the at-fault party’s coverage limit.
Your medical payment coverage is separate from that amount, but your auto insurance company will most likely still seek reimbursement for it from the at-fault party. Anytime there is an accident where your insurance pays out, your carrier will attempt to recover those costs.
To ensure that there aren’t any issues, it would be best to have your insurance carrier pay the hospital directly.
Since you will need your health insurance to cover the rest of the expenses, you’ll want to follow their procedures and suggestions. It will reduce the likelihood of a miscommunication between your insurance carriers as well. “
Emily Maracle
Answered on May 18, 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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