When does health insurance kick in if you have medical payments coverage on your auto policy?

I have medical payments coverage for $5,000. If I get into an accident and the bills are worth $10,000, when would my health insurance provide coverage?

“When you have medical payment coverage, it’s considered to be your primary coverage in an auto accident. Your health insurance is your secondary coverage.
Your medical payments will provide coverage up to your limit. Since you currently have a limit of $5,000, your health insurance will kick in after that amount is paid out.
Medical payments coverage will cover you regardless of fault. Your health insurance will also want to see proof that you have exhausted your medical payments benefits before they begin covering your expenses.
If you aren’t at fault, your insurance companies will also look to recover costs from the at-fault party for your medical care. “
Emily Maracle
Answered on May 19, 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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