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Does insurance cover medical care after a car accident?

On Behalf of | Sep 7, 2023 | Car Accidents

Those involved in a Kentucky car crash sometimes only have to deal with property damage losses, like the cost of repairing a vehicle to make it safe to drive again. Other motorists are not so fortunate and incur injuries as a result of a collision that they have to worry about treating.

They may require insurance to pay for the costs of their care. Not every adult in Kentucky has health insurance, and even those who do may have a lot of personal financial responsibility before their policy will cover treatment costs. The typical health insurance policy has a deductible, which means that someone may have to shell out thousands of dollars of care with their own resources before their health insurance will start paying.

Even then, they will have to likely pay a copay for every visit and may have to pay coinsurance, which is a specific percentage of their total medical bills. Health insurance passes quite a lot of the costs generated during a crash onto patients. Can injury victims rely on car insurance to cover those expenses instead?

Every driver should have bodily injury coverage

Health insurance companies will often subrogate claims made after a crash. They can make a claim against the insurance provider for the at-fault driver if the health policy initially covers costs related to the wreck. Car insurance won’t pass care costs onto the patient.

The coverage required for bodily injury losses after a Kentucky crash depend on what coverage someone purchased and the number of people who sustained injuries. Those who carry the lowest amount of insurance permitted by law could have a policy that will pay up to $25,000 for a single person’s injuries or $50,000 when two or more people get hurt in a crash.

For those with more extreme injuries or a car full of people with mild to moderate injuries, that coverage may not be sufficient. If a driver has uninsured motorist protection, they can sometimes use their own policy to cover crash expenses. Other times, it may be necessary to pursue a personal injury lawsuit against the person who caused the wreck to recover the total cost of medical care after the crash.

Ultimately, using the right insurance is important for those hoping to mitigate the financial expenses inspired by a recent Kentucky crash, especially if the crash in question was not their fault.