As a chiropractor who specializes in treating patients with auto injuries, I am often asked whether it is necessary to contact both health insurance and car insurance after an accident. The short answer is yes, you should contact both.
While many people believe that their health insurance will cover any medical expenses resulting from an accident, there are often limitations and exclusions in health insurance policies for accident-related injuries. Additionally, if you were not at fault for the accident, your health insurance provider may seek reimbursement from the at-fault party’s insurance company for any expenses they covered related to the accident.
This is where your car insurance comes in. If you have Personal Injury Protection (PIP) or MedPay coverage on your car insurance policy, these coverages can help pay for medical expenses and lost wages regardless of who was at fault for the accident. PIP and MedPay can also help cover expenses that may not be covered by your health insurance policy, such as chiropractic care or massage therapy.
It’s important to note that PIP and MedPay are optional coverages in some states, so it’s important to check your policy or speak with your insurance agent to determine if you have these coverages and what limits they provide.
In addition to covering medical expenses, your car insurance may also provide coverage for property damage and liability. Property damage coverage can help pay for repairs to your vehicle or provide compensation if your vehicle is totaled. Liability coverage can help protect you if you are found at fault for the accident and the other party seeks compensation for their injuries or property damage.
It’s important to report the accident to both your health insurance and car insurance providers as soon as possible. This can help ensure that your medical expenses are covered and that any property damage or liability claims are handled promptly. In some cases, you may also need to provide a statement or other documentation to your insurance companies to support your claim.
If you are unsure about what steps to take after an accident, or if you have questions about your insurance coverage, it can be helpful to speak with an experienced auto accident attorney or insurance agent. They can provide guidance on the best course of action and help you navigate the complex process of filing insurance claims and seeking compensation for your injuries and damages.
