Automobile accidents could leave the victims suffering from injuries. Sometimes, those injuries may be severe and require extensive medical treatment. People with a West Virginia health insurance policy may wonder where their insurance coverage will pay their medical bills. The specifics of how health insurance addresses such payments might vary among policyholders.
Health insurance and automobile accident claims
Health insurance would not generally exclude medical care related to automobile accidents. The provider will likely pay a valid claim if the policy covers emergency room visits, hospital stays, and other required care for an accident victim.
However, the health insurance company may ask for information on any auto liability policy covering negligence. The auto liability policy may cover injuries and costs related to the collision. Many auto insurance policies cover medical payments. The auto policy’s medical payments coverage may pay some medical costs before health insurance covers the expenses.
Other cost-related care concerns
Health insurance policies vary, and some have high deductibles. An accident victim would be responsible for whatever the deductible amount is, which could be several thousand dollars. Also, there’s the risk that the health insurance coverage might only pay for some of the required treatment. Denied claims are possible, as well.
Car accident injuries could leave the victim unable to work. Health insurance would not cover lost wages and other financial losses. Sometimes, a victim may need to change careers after an accident and suffer a significant pay cut. Filing a lawsuit or insurance claim could help the victim recover compensation.
Auto liability coverage could pay for the losses an accident victim suffers. Negotiating a settlement with an insurance company may lead to a swifter conclusion than seeking a judgment in a jury trial. However, those seeking substantial judgments beyond policy limits may take their case to court.
