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What happens if I'm injured in a car accident and can't afford my health insurance deductible?
What should I do if I can't afford my deductible? I have a high deductible health insurance plan. I'm worried if I get into an accident, I won't be able to afford my health care.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you have a high health insurance deductible, you should look into
medical payment coverage
or personal injury protection with your car insurance.Medical payments coverage and personal injury protection help cover your medical costs if you’re injured in an accident.
This coverage kicks in regardless of fault and often can work towards your health insurance deductible or copay. If you’re not at fault in an accident, it can provide you immediate coverage for your injuries.
It is also helpful to have in case a driver is uninsured or underinsured. Most drivers carry
bodily injury liability
, which would cover your injuries if you’re not at fault, but your medical bills could exceed that limit. Your medical payments coverage would help cover the costs.Since most health insurance requires auto insurance to cover accidents first, you would benefit from extra coverage.”
View full answer
- Gregory R.
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