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What's the point of having uninsured/underinsured motorist coverage if I also have health insurance?

"It seems redundant to have both uninsured/underinsured motorist coverage and health insurance since they both cover injuries.

If another driver is at fault and they don't have enough coverage to pay my medical bills, wouldn't I need to go through my health insurance anyway? Why should I pay the insurance company for extra coverage?"

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While it may seem redundant,
uninsured/underinsured motorist coverage
can protect you if there’s an accident.
If an uninsured or underinsured driver is at fault and you’re injured, your car insurance would cover your injuries. Anything that isn’t covered by your car insurance would then be covered by your health insurance.
Your uninsured/underinsured motorist coverage would be your primary coverage and your health insurance would be your secondary coverage. If you have uninsured/underinsured motorist coverage, you’re less likely to exceed your health insurance benefits. You also typically don’t need to pay a deductible with uninsured/underinsured motorist coverage.
If you have a high deductible or high out-of-pocket max with your health insurance, your uninsured/underinsured motorist coverage would normally pay towards it. Without this coverage, you may end up paying more out of pocket before you get any coverage with your health insurance.
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