We’ve all been there: the moment of impact, the sound of metal crushing, and the instant wave of panic that hits you when you realize you’ve just been in a car accident. In the midst of all the chaos, it can be difficult to know what to do next. Do you call your health insurance provider? Your car insurance company? Both? Here’s what you need to know.
First things first, take a deep breath and assess your physical well-being. If you or anyone else involved in the accident is seriously injured, call 911 immediately. Your health and safety should always come first.
Assuming that you and everyone else involved in the accident are okay, it’s time to start thinking about the financial aftermath. This is where things can get a bit tricky. If you have health insurance, you may be wondering if you need to contact them about the accident. The short answer is: it depends.
If you were injured in the accident and require medical attention, you should absolutely contact your health insurance provider. They may be able to cover some or all of your medical expenses, depending on the terms of your policy. However, if you were not injured and simply need to repair your car, you may not need to involve your health insurance at all.
On the other hand, if you were injured in the accident and it was someone else’s fault, you may be able to seek compensation through their car insurance policy. This is where things can get even more complicated. It’s important to understand the types of coverage that car insurance policies typically offer.
Most car insurance policies include liability coverage, which covers damages and injuries that you may cause to other people and their property. If someone else caused the accident and you were injured, their liability coverage may be able to cover your medical expenses. However, if the other driver doesn’t have insurance or doesn’t have enough insurance to cover your expenses, you may need to turn to your own health insurance policy.
If you have personal injury protection (PIP) as part of your car insurance policy, this can also help cover your medical expenses in the event of an accident. PIP is a type of no-fault insurance that covers medical expenses, lost wages, and other expenses related to injuries sustained in a car accident, regardless of who was at fault.
At the end of the day, there’s no one-size-fits-all answer to the question of whether or not you should contact your health insurance as well as your car insurance after an accident. It depends on the specifics of your situation. However, it’s always a good idea to have a basic understanding of the coverage that your insurance policies provide, so that you can make informed decisions in the event of an accident.
Here at Billings Chiropractic Injury Clinic, we understand how overwhelming and confusing the aftermath of a car accident can be. That’s why we’re committed to providing top-notch chiropractic care and injury treatment to our patients. If you’ve been in a car accident and are experiencing pain or discomfort, our team is here to help. Contact us today to schedule an appointment and get back on the road to recovery.
