Who will pay for my medical bills after I was injured in a friend's car?
"I was in a car accident with my friend. I was the passenger and they were at fault.
How will my medical bills be paid? Would my health insurance need to go after my friend's car insurance, or do I need a lawyer?"
Answer provided by
Answered on May 20, 2021
“You should first find out if your friend has medical payment coverage or personal injury protection (PIP) on their policy.
These coverages are designed specifically for policyholders and their passengers, regardless of who is at fault.
If they don’t, you can still try to file a claim with their car insurance company. Bodily injury liability doesn’t provide coverage for a driver on the policy, but it can sometimes be used to cover their passengers.
If you have your own car insurance, you can also try to file a claim with your carrier as well. Car insurance is always considered to be primary coverage after an auto accident. If you’re unable to get your medical bills covered with car insurance, you’ll need to go through your health insurance.
Your health insurance company shouldn’t need to go after your friend’s insurance, and you likely won’t need a lawyer.
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
What's the minimum level of car insurance I need in Texas?
I want to spend as little money on car insurance as possible. I drive a cheap, older car and I don't care about fixing little dents here and there. What's the minimum level of insurance I need in Texas?
Mar 12, 2021
If your driver's license has been suspended, do you have to get it reinstated before you can qualify for car insurance?
My driver's license was suspended a while back. Is reinstatement required to get car insurance?
Feb 22, 2021