Many people who are involved in auto accidents wonder how their health insurance may come into play if they need treatment, or, if they used their health insurance to pay for treatment relating to an auto accident what will happen to their medical bills. This blog entry will also discuss other avenues available under your auto insurance policy to recoup expenses paid toward medical bills relating to an auto accident. This blog entry is written by attorney Hannah Salter at the Cardone Law Firm. The purpose of this blog entry is to explain some of the basics relating to health insurance and auto accidents and the current state of affairs as they stand in Louisiana today.
AUTO INSURANCE – MEDICAL PAYMENTS COVERAGE
Before we start talking about health insurance, I would first like to discuss medical payments coverage in your auto insurance policy. Medical payments coverage in your auto insurance policy pays for medical expenses related to an auto accident even if you were at fault for the accident. In many cases, people are not aware of this important coverage benefit which they have been paying for because auto insurance companies do not bring this benefit to the insured’s attention. However, medical payments coverage is not included in every auto insurance policy. To determine whether you have medical payments coverage, you need to review the declarations page of your auto insurance policy.